Call reports 2012
STATE EXCHANGE BANK, THE — 2012
What STATE EXCHANGE BANK, 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 | 35,174,000 | 35,823,000 | 34,132,000 | 39,750,000 |
| Total loans | 16,011,000 | 16,017,000 | 14,927,000 | 13,597,000 |
| Allowance for loan losses | 302,000 | 303,000 | 297,000 | 289,000 |
| Securities available for sale | 17,750,000 | 17,604,000 | 16,861,000 | 18,899,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,650,000 | 30,698,000 | 29,776,000 | 35,502,000 |
| Interest-bearing deposits | 25,532,000 | 25,579,000 | 25,498,000 | 26,850,000 |
| Noninterest-bearing deposits | 4,118,000 | 5,119,000 | 4,278,000 | 8,652,000 |
| Equity capital | 3,518,000 | 3,571,000 | 3,800,000 | 3,701,000 |
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 | 315,000 | 679,000 | 991,000 | 1,294,000 |
| Interest expense | 65,000 | 130,000 | 185,000 | 237,000 |
| Net interest income | 250,000 | 549,000 | 806,000 | 1,057,000 |
| Noninterest income | 14,000 | 36,000 | 50,000 | 68,000 |
| Noninterest expense | 196,000 | 389,000 | 576,000 | 850,000 |
| Provision for loan losses | 25,000 | 25,000 | 25,000 | 25,000 |
| Pretax income | 71,000 | 216,000 | 314,000 | 309,000 |
| Income tax | 3,000 | 8,000 | 12,000 | 13,000 |
| Net income | 68,000 | 208,000 | 302,000 | 296,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,249,000 | 3,389,000 | 3,482,000 | 3,476,000 |
| Total capital | 3,495,000 | 3,633,000 | 3,703,000 | 3,694,000 |
| Risk-weighted assets | 19,709,000 | 19,423,000 | 17,643,000 | 17,349,000 |