Call reports 2012
EXCEL BANK — 2012
What EXCEL 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 |
|---|---|---|---|
| Total assets | 218,370,000 | 200,575,000 | 186,113,000 |
| Total loans | 165,866,000 | 152,882,000 | 140,236,000 |
| Allowance for loan losses | 7,530,000 | 9,515,000 | 7,007,000 |
| Securities available for sale | 13,725,000 | 12,156,000 | 8,528,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 196,344,000 | 187,357,000 | 173,670,000 |
| Interest-bearing deposits | 177,133,000 | 168,830,000 | 154,063,000 |
| Noninterest-bearing deposits | 19,211,000 | 18,527,000 | 19,607,000 |
| Equity capital | 8,658,000 | 4,100,000 | 3,322,000 |
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 |
|---|---|---|---|
| Interest income | 2,205,000 | 4,415,000 | 6,126,000 |
| Interest expense | 532,000 | 986,000 | 1,376,000 |
| Net interest income | 1,673,000 | 3,429,000 | 4,750,000 |
| Noninterest income | -297,000 | -63,000 | 319,000 |
| Noninterest expense | 2,104,000 | 4,545,000 | 6,628,000 |
| Provision for loan losses | 546,000 | 4,747,000 | 5,163,000 |
| Pretax income | -1,274,000 | -5,688,000 | -6,389,000 |
| Income tax | 1,000 | 4,000 | 6,000 |
| Net income | -1,275,000 | -5,692,000 | -6,395,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 |
|---|---|---|---|
| Tier 1 capital | 8,386,000 | 3,969,000 | 3,266,000 |
| Total capital | 10,443,000 | 5,923,000 | 5,061,000 |
| Risk-weighted assets | 159,055,000 | 148,755,000 | 138,409,000 |