Call reports 2012
COLCHESTER STATE BANK — 2012
What COLCHESTER 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 | 61,005,000 | 59,074,000 | 57,430,000 | 58,951,000 |
| Total loans | 24,625,000 | 24,733,000 | 24,931,000 | 25,197,000 |
| Allowance for loan losses | 525,000 | 346,000 | 365,000 | 400,000 |
| Securities available for sale | 29,525,000 | 30,906,000 | 29,270,000 | 28,357,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,760,000 | 51,159,000 | 49,622,000 | 51,058,000 |
| Interest-bearing deposits | 42,147,000 | 41,426,000 | 42,442,000 | 41,972,000 |
| Noninterest-bearing deposits | 11,613,000 | 9,733,000 | 7,180,000 | 9,086,000 |
| Equity capital | 6,733,000 | 6,966,000 | 7,218,000 | 7,339,000 |
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 | 545,000 | 1,063,000 | 1,603,000 | 2,081,000 |
| Interest expense | 107,000 | 211,000 | 311,000 | 403,000 |
| Net interest income | 438,000 | 852,000 | 1,292,000 | 1,678,000 |
| Noninterest income | 68,000 | 140,000 | 221,000 | 294,000 |
| Noninterest expense | 276,000 | 529,000 | 795,000 | 1,045,000 |
| Provision for loan losses | 0 | 30,000 | 58,000 | 88,000 |
| Pretax income | 230,000 | 433,000 | 676,000 | 855,000 |
| Income tax | 66,000 | 133,000 | 196,000 | 259,000 |
| Net income | 164,000 | 300,000 | 480,000 | 596,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,196,000 | 6,332,000 | 6,512,000 | 6,628,000 |
| Total capital | 6,503,000 | 6,641,000 | 6,823,000 | 6,942,000 |
| Risk-weighted assets | 27,750,000 | 27,120,000 | 26,725,000 | 27,131,000 |