Call reports 2012
CASTROVILLE STATE BANK — 2012
What CASTROVILLE 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 | 119,618,000 | 118,343,000 | 117,435,000 | 120,451,000 |
| Total loans | 45,839,000 | 47,608,000 | 45,740,000 | 48,742,000 |
| Allowance for loan losses | 408,000 | 441,000 | 497,000 | 402,000 |
| Securities available for sale | 58,584,000 | 57,582,000 | 58,943,000 | 56,699,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,095,000 | 103,352,000 | 102,207,000 | 106,863,000 |
| Interest-bearing deposits | 88,582,000 | 87,127,000 | 83,892,000 | 88,991,000 |
| Noninterest-bearing deposits | 16,513,000 | 16,225,000 | 18,315,000 | 17,872,000 |
| Equity capital | 11,475,000 | 11,848,000 | 11,986,000 | 11,760,000 |
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 | 1,069,000 | 2,144,000 | 3,192,000 | 4,206,000 |
| Interest expense | 205,000 | 415,000 | 616,000 | 786,000 |
| Net interest income | 864,000 | 1,729,000 | 2,576,000 | 3,420,000 |
| Noninterest income | 155,000 | 311,000 | 459,000 | 616,000 |
| Noninterest expense | 652,000 | 1,291,000 | 1,931,000 | 2,585,000 |
| Provision for loan losses | 35,000 | 80,000 | 355,000 | 335,000 |
| Pretax income | 332,000 | 678,000 | 758,000 | 1,282,000 |
| Income tax | 65,000 | 137,000 | 119,000 | 252,000 |
| Net income | 267,000 | 541,000 | 639,000 | 1,030,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,410,000 | 10,623,000 | 10,661,000 | 10,693,000 |
| Total capital | 10,818,000 | 11,064,000 | 11,158,000 | 11,095,000 |
| Risk-weighted assets | 53,483,000 | 54,091,000 | 51,339,000 | 53,815,000 |