Call reports 2012
SIMPLICITY BANK — 2012
What SIMPLICITY 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 | 944,389,000 | 922,903,000 | 915,113,000 | 890,012,000 |
| Total loans | 715,724,000 | 772,223,000 | 755,609,000 | 727,689,000 |
| Allowance for loan losses | 7,928,000 | 7,502,000 | 6,392,000 | 6,619,000 |
| Securities available for sale | 57,446,000 | 52,996,000 | 48,283,000 | 63,891,000 |
| Securities held to maturity | 1,475,000 | 1,197,000 | 986,000 | 765,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 707,361,000 | 704,004,000 | 695,624,000 | 688,563,000 |
| Interest-bearing deposits | 633,358,000 | 632,564,000 | 634,116,000 | 622,355,000 |
| Noninterest-bearing deposits | 74,003,000 | 71,440,000 | 61,508,000 | 66,208,000 |
| Equity capital | 126,120,000 | 127,714,000 | 129,491,000 | 130,918,000 |
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 | 9,915,000 | 19,924,000 | 29,760,000 | 38,844,000 |
| Interest expense | 2,610,000 | 5,119,000 | 7,380,000 | 9,523,000 |
| Net interest income | 7,305,000 | 14,805,000 | 22,380,000 | 29,321,000 |
| Noninterest income | 1,106,000 | 2,004,000 | 3,534,000 | 5,550,000 |
| Noninterest expense | 5,682,000 | 11,466,000 | 17,489,000 | 23,989,000 |
| Provision for loan losses | 0 | 250,000 | 1,100,000 | 1,700,000 |
| Pretax income | 2,729,000 | 5,093,000 | 7,325,000 | 9,182,000 |
| Income tax | 1,017,000 | 1,877,000 | 2,698,000 | 3,362,000 |
| Net income | 1,712,000 | 3,216,000 | 4,627,000 | 5,820,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 122,931,000 | 124,330,000 | 126,416,000 | 127,809,000 |
| Total capital | 130,059,000 | 131,832,000 | 132,808,000 | 134,428,000 |
| Risk-weighted assets | 569,450,000 | 624,907,000 | 605,032,000 | 585,256,000 |