Call reports 2012
SILVER LAKE BANK — 2012
What SILVER LAKE 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 | 220,417,000 | 223,784,000 | 217,717,000 | 221,080,000 |
| Total loans | 132,385,000 | 133,271,000 | 134,366,000 | 139,896,000 |
| Allowance for loan losses | 1,981,000 | 3,652,000 | 3,690,000 | 3,859,000 |
| Securities available for sale | 67,021,000 | 64,910,000 | 64,991,000 | 64,840,000 |
| Securities held to maturity | 650,000 | 650,000 | 650,000 | 395,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,082,000 | 166,995,000 | 161,518,000 | 167,344,000 |
| Interest-bearing deposits | 142,509,000 | 145,117,000 | 138,548,000 | 139,160,000 |
| Noninterest-bearing deposits | 21,573,000 | 21,878,000 | 22,970,000 | 28,184,000 |
| Equity capital | 27,187,000 | 26,641,000 | 27,022,000 | 27,165,000 |
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 | 2,173,000 | 4,284,000 | 6,203,000 | 8,183,000 |
| Interest expense | 453,000 | 866,000 | 1,256,000 | 1,612,000 |
| Net interest income | 1,720,000 | 3,418,000 | 4,947,000 | 6,571,000 |
| Noninterest income | 131,000 | 264,000 | 149,000 | 292,000 |
| Noninterest expense | 1,178,000 | 2,458,000 | 3,600,000 | 4,836,000 |
| Provision for loan losses | 0 | 1,715,000 | 1,715,000 | 1,880,000 |
| Pretax income | 673,000 | -491,000 | -219,000 | 147,000 |
| Income tax | 206,000 | -260,000 | -199,000 | -113,000 |
| Net income | 467,000 | -231,000 | -20,000 | 260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,244,000 | 25,548,000 | 25,758,000 | 26,038,000 |
| Total capital | 27,915,000 | 27,241,000 | 27,456,000 | 27,807,000 |
| Risk-weighted assets | 133,400,000 | 133,394,000 | 133,830,000 | 139,461,000 |