Call reports 2012
COMMUNITY NEIGHBOR BANK — 2012
What COMMUNITY NEIGHBOR 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 | 111,623,000 | 112,170,000 | 108,614,000 | 107,637,000 |
| Total loans | 66,925,000 | 68,095,000 | 66,390,000 | 65,434,000 |
| Allowance for loan losses | 1,065,000 | 1,097,000 | 1,127,000 | 1,091,000 |
| Securities available for sale | 7,919,000 | 8,178,000 | 7,614,000 | 6,673,000 |
| Securities held to maturity | 4,935,000 | 4,937,000 | 4,939,000 | 4,941,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,555,000 | 94,777,000 | 91,156,000 | 90,072,000 |
| Interest-bearing deposits | 76,520,000 | 74,869,000 | 72,181,000 | 70,551,000 |
| Noninterest-bearing deposits | 18,035,000 | 19,908,000 | 18,975,000 | 19,521,000 |
| Equity capital | 14,324,000 | 14,657,000 | 14,689,000 | 14,889,000 |
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 | 1,328,000 | 2,650,000 | 3,929,000 | 5,168,000 |
| Interest expense | 179,000 | 338,000 | 489,000 | 628,000 |
| Net interest income | 1,149,000 | 2,312,000 | 3,440,000 | 4,540,000 |
| Noninterest income | 130,000 | 328,000 | 501,000 | 710,000 |
| Noninterest expense | 841,000 | 1,733,000 | 2,592,000 | 3,496,000 |
| Provision for loan losses | 150,000 | 150,000 | 150,000 | 200,000 |
| Pretax income | 288,000 | 757,000 | 1,199,000 | 1,554,000 |
| Income tax | 107,000 | 230,000 | 376,000 | 507,000 |
| Net income | 181,000 | 527,000 | 823,000 | 1,047,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,188,000 | 14,534,000 | 14,579,000 | 14,804,000 |
| Total capital | 15,001,000 | 15,360,000 | 15,384,000 | 15,602,000 |
| Risk-weighted assets | 64,767,000 | 65,774,000 | 64,091,000 | 63,509,000 |