Call reports 2012
CUSTER FEDERAL STATE BANK — 2012
What CUSTER FEDERAL 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 | 76,305,000 | 76,882,000 | 77,841,000 | 79,426,000 |
| Total loans | 41,638,000 | 47,866,000 | 50,306,000 | 55,732,000 |
| Allowance for loan losses | 351,000 | 376,000 | 462,000 | 480,000 |
| Securities available for sale | 6,523,000 | 6,234,000 | 6,085,000 | 2,902,000 |
| Securities held to maturity | 20,184,000 | 19,335,000 | 18,326,000 | 17,266,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,063,000 | 66,302,000 | 66,287,000 | 68,742,000 |
| Interest-bearing deposits | 66,516,000 | 64,381,000 | 64,374,000 | 65,536,000 |
| Noninterest-bearing deposits | 2,547,000 | 1,921,000 | 1,913,000 | 3,206,000 |
| Equity capital | 6,783,000 | 6,846,000 | 6,915,000 | 7,008,000 |
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 | 743,000 | 1,488,000 | 2,267,000 | 3,075,000 |
| Interest expense | 209,000 | 418,000 | 635,000 | 844,000 |
| Net interest income | 534,000 | 1,070,000 | 1,632,000 | 2,231,000 |
| Noninterest income | 24,000 | 51,000 | 83,000 | 117,000 |
| Noninterest expense | 349,000 | 758,000 | 1,196,000 | 1,615,000 |
| Provision for loan losses | 11,000 | 87,000 | 183,000 | 202,000 |
| Pretax income | 198,000 | 276,000 | 336,000 | 535,000 |
| Income tax | 26,000 | 55,000 | 77,000 | 158,000 |
| Net income | 172,000 | 221,000 | 259,000 | 377,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,688,000 | 6,737,000 | 6,776,000 | 6,943,000 |
| Total capital | 7,039,000 | 7,128,000 | 7,264,000 | 7,447,000 |
| Risk-weighted assets | 40,785,000 | 46,029,000 | 48,369,000 | 53,533,000 |