Call reports 2012
FORD COUNTY STATE BANK — 2012
What FORD COUNTY STATE BANK 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 | 34,830,000 | 34,927,000 | 34,685,000 | 35,232,000 |
| Total loans | 17,673,000 | 18,635,000 | 18,637,000 | 20,249,000 |
| Allowance for loan losses | 354,000 | 357,000 | 344,000 | 350,000 |
| Securities available for sale | 6,700,000 | 6,729,000 | 5,777,000 | 5,249,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,210,000 | 30,150,000 | 29,844,000 | 30,313,000 |
| Interest-bearing deposits | 26,828,000 | 26,497,000 | 25,848,000 | 26,093,000 |
| Noninterest-bearing deposits | 3,382,000 | 3,653,000 | 3,996,000 | 4,220,000 |
| Equity capital | 4,362,000 | 4,478,000 | 4,542,000 | 4,608,000 |
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 | 299,000 | 618,000 | 926,000 | 1,242,000 |
| Interest expense | 39,000 | 76,000 | 110,000 | 142,000 |
| Net interest income | 260,000 | 542,000 | 816,000 | 1,100,000 |
| Noninterest income | 24,000 | 43,000 | 59,000 | 75,000 |
| Noninterest expense | 234,000 | 425,000 | 635,000 | 843,000 |
| Provision for loan losses | 0 | 2,000 | 8,000 | 14,000 |
| Pretax income | 50,000 | 158,000 | 232,000 | 318,000 |
| Income tax | 10,000 | 35,000 | 51,000 | 75,000 |
| Net income | 40,000 | 123,000 | 181,000 | 243,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,208,000 | 4,290,000 | 4,349,000 | 4,411,000 |
| Total capital | 4,480,000 | 4,571,000 | 4,621,000 | 4,712,000 |
| Risk-weighted assets | 21,666,000 | 22,365,000 | 21,723,000 | 24,034,000 |