Call reports 2012
BANK OF CASHTON — 2012
What BANK OF CASHTON 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 | 66,124,000 | 65,643,000 | 67,465,000 | 69,016,000 |
| Total loans | 38,339,000 | 38,380,000 | 40,084,000 | 40,473,000 |
| Allowance for loan losses | 716,000 | 713,000 | 736,000 | 751,000 |
| Securities available for sale | 20,739,000 | 21,025,000 | 21,240,000 | 21,389,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,682,000 | 57,924,000 | 59,497,000 | 61,001,000 |
| Interest-bearing deposits | 50,786,000 | 50,619,000 | 52,681,000 | 52,790,000 |
| Noninterest-bearing deposits | 7,896,000 | 7,305,000 | 6,816,000 | 8,211,000 |
| Equity capital | 6,840,000 | 7,075,000 | 7,280,000 | 7,333,000 |
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 | 763,000 | 1,528,000 | 2,299,000 | 3,082,000 |
| Interest expense | 169,000 | 332,000 | 493,000 | 648,000 |
| Net interest income | 594,000 | 1,196,000 | 1,806,000 | 2,434,000 |
| Noninterest income | 89,000 | 155,000 | 246,000 | 317,000 |
| Noninterest expense | 395,000 | 814,000 | 1,242,000 | 1,693,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 273,000 | 507,000 | 765,000 | 998,000 |
| Income tax | 16,000 | 17,000 | 17,000 | 20,000 |
| Net income | 257,000 | 490,000 | 748,000 | 978,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,094,000 | 6,105,000 | 6,238,000 | 6,349,000 |
| Total capital | 6,618,000 | 6,615,000 | 6,767,000 | 6,909,000 |
| Risk-weighted assets | 41,692,000 | 40,583,000 | 42,207,000 | 44,593,000 |