Call reports 2012
STATE BANK OF DRUMMOND — 2012
What STATE BANK OF DRUMMOND 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 | 42,532,000 | 46,230,000 | 47,196,000 | 46,360,000 |
| Total loans | 24,840,000 | 24,469,000 | 23,278,000 | 23,031,000 |
| Allowance for loan losses | 774,000 | 670,000 | 684,000 | 685,000 |
| Securities available for sale | 8,414,000 | 8,199,000 | 8,004,000 | 7,851,000 |
| Securities held to maturity | 1,050,000 | 1,050,000 | 1,050,000 | 1,050,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,447,000 | 39,960,000 | 40,799,000 | 40,004,000 |
| Interest-bearing deposits | 29,083,000 | 28,362,000 | 29,525,000 | 29,821,000 |
| Noninterest-bearing deposits | 7,365,000 | 11,598,000 | 11,274,000 | 10,182,000 |
| Equity capital | 6,002,000 | 6,175,000 | 6,271,000 | 6,277,000 |
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 | 471,000 | 933,000 | 1,388,000 | 1,837,000 |
| Interest expense | 30,000 | 58,000 | 85,000 | 111,000 |
| Net interest income | 441,000 | 875,000 | 1,303,000 | 1,726,000 |
| Noninterest income | 66,000 | 143,000 | 203,000 | 273,000 |
| Noninterest expense | 362,000 | 748,000 | 1,118,000 | 1,491,000 |
| Provision for loan losses | 125,000 | 30,000 | 45,000 | 45,000 |
| Pretax income | 20,000 | 240,000 | 343,000 | 463,000 |
| Income tax | 32,000 | 43,000 | 54,000 | 55,000 |
| Net income | -12,000 | 197,000 | 289,000 | 408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,750,000 | 5,923,000 | 6,016,000 | 6,056,000 |
| Total capital | 6,092,000 | 6,279,000 | 6,366,000 | 6,408,000 |
| Risk-weighted assets | 26,945,000 | 28,166,000 | 27,706,000 | 27,806,000 |