Call reports 2012
BANK OF GASSAWAY — 2012
What BANK OF GASSAWAY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 181,973,000 | 174,049,000 | 174,083,000 | 178,011,000 |
| Total loans | 88,280,000 | 90,426,000 | 92,444,000 | 94,511,000 |
| Allowance for loan losses | 1,335,000 | 1,338,000 | 1,405,000 | 1,356,000 |
| Securities available for sale | 45,955,000 | 47,196,000 | 51,585,000 | 50,542,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,295,000 | 149,182,000 | 148,791,000 | 160,109,000 |
| Interest-bearing deposits | 108,548,000 | 107,982,000 | 108,814,000 | 118,157,000 |
| Noninterest-bearing deposits | 48,747,000 | 41,200,000 | 39,977,000 | 41,952,000 |
| Equity capital | 23,535,000 | 23,769,000 | 24,148,000 | 16,883,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,795,000 | 3,574,000 | 5,363,000 | 7,146,000 |
| Interest expense | 294,000 | 574,000 | 845,000 | 1,107,000 |
| Net interest income | 1,501,000 | 3,000,000 | 4,518,000 | 6,039,000 |
| Noninterest income | 284,000 | 573,000 | 851,000 | 1,143,000 |
| Noninterest expense | 1,295,000 | 2,715,000 | 4,007,000 | 5,398,000 |
| Provision for loan losses | 40,000 | 100,000 | 163,000 | 183,000 |
| Pretax income | 437,000 | 727,000 | 1,153,000 | 1,539,000 |
| Income tax | 158,000 | 261,000 | 414,000 | 489,000 |
| Net income | 279,000 | 466,000 | 739,000 | 1,050,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,827,000 | 23,014,000 | 23,286,000 | 16,093,000 |
| Total capital | 23,933,000 | 24,115,000 | 24,385,000 | 17,205,000 |
| Risk-weighted assets | 88,212,000 | 87,831,000 | 87,590,000 | 88,747,000 |