Call reports 2012
CCFBANK NATIONAL ASSOCIATION — 2012
What CCFBANK NATIONAL ASSOCIATION 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 | 528,781,000 | 533,366,000 | 530,183,000 | 534,533,000 |
| Total loans | 427,140,000 | 431,380,000 | 427,789,000 | 421,119,000 |
| Allowance for loan losses | 5,668,000 | 5,702,000 | 5,745,000 | 5,820,000 |
| Securities available for sale | 65,156,000 | 67,436,000 | 67,111,000 | 73,663,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 436,691,000 | 427,220,000 | 422,473,000 | 427,641,000 |
| Interest-bearing deposits | 410,381,000 | 404,390,000 | 401,874,000 | 406,905,000 |
| Noninterest-bearing deposits | 26,310,000 | 22,830,000 | 20,599,000 | 20,736,000 |
| Equity capital | 52,706,000 | 53,690,000 | 54,733,000 | 54,934,000 |
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 | 6,731,000 | 13,448,000 | 20,016,000 | 26,408,000 |
| Interest expense | 1,674,000 | 3,272,000 | 4,767,000 | 6,176,000 |
| Net interest income | 5,057,000 | 10,176,000 | 15,249,000 | 20,232,000 |
| Noninterest income | 568,000 | 1,316,000 | 2,063,000 | 2,871,000 |
| Noninterest expense | 4,306,000 | 8,622,000 | 12,619,000 | 16,920,000 |
| Provision for loan losses | 1,100,000 | 2,000,000 | 2,900,000 | 3,800,000 |
| Pretax income | 216,000 | 877,000 | 1,293,000 | 1,801,000 |
| Income tax | 89,000 | 356,000 | 525,000 | 726,000 |
| Net income | 127,000 | 521,000 | 768,000 | 1,075,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,116,000 | 53,513,000 | 53,904,000 | 52,970,000 |
| Total capital | 59,025,000 | 58,401,000 | 58,673,000 | 57,589,000 |
| Risk-weighted assets | 391,962,000 | 390,197,000 | 380,505,000 | 368,262,000 |