Call reports 2012
BANK OF ELK RIVER, THE — 2012
What BANK OF ELK RIVER, THE 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 | 378,127,000 | 370,172,000 | 369,342,000 | 363,533,000 |
| Total loans | 264,267,000 | 251,364,000 | 245,505,000 | 236,873,000 |
| Allowance for loan losses | 9,985,000 | 10,659,000 | 8,926,000 | 8,755,000 |
| Securities available for sale | 49,323,000 | 59,572,000 | 62,875,000 | 61,133,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 347,909,000 | 339,801,000 | 338,345,000 | 332,561,000 |
| Interest-bearing deposits | 293,489,000 | 287,059,000 | 279,946,000 | 276,413,000 |
| Noninterest-bearing deposits | 54,420,000 | 52,742,000 | 58,399,000 | 56,148,000 |
| Equity capital | 29,163,000 | 29,404,000 | 30,084,000 | 30,116,000 |
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 | 4,164,000 | 8,203,000 | 12,145,000 | 15,924,000 |
| Interest expense | 880,000 | 1,710,000 | 2,476,000 | 3,163,000 |
| Net interest income | 3,284,000 | 6,493,000 | 9,669,000 | 12,761,000 |
| Noninterest income | 588,000 | 1,105,000 | 1,465,000 | 1,889,000 |
| Noninterest expense | 3,129,000 | 6,080,000 | 8,814,000 | 11,945,000 |
| Provision for loan losses | 425,000 | 1,175,000 | 1,325,000 | 1,375,000 |
| Pretax income | 318,000 | 463,000 | 1,115,000 | 1,450,000 |
| Income tax | 77,000 | 97,000 | 319,000 | 415,000 |
| Net income | 241,000 | 366,000 | 796,000 | 1,035,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,676,000 | 19,213,000 | 20,207,000 | 20,260,000 |
| Total capital | 22,209,000 | 22,609,000 | 23,506,000 | 23,446,000 |
| Risk-weighted assets | 276,221,000 | 264,436,000 | 258,291,000 | 249,305,000 |