Call reports 2012
BANK OF FINCASTLE, THE — 2012
What BANK OF FINCASTLE, 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 | 187,937,000 | 191,040,000 | 192,515,000 | 195,726,000 |
| Total loans | 140,811,000 | 142,819,000 | 143,897,000 | 142,996,000 |
| Allowance for loan losses | 1,663,000 | 1,664,000 | 1,709,000 | 1,812,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 16,520,000 | 20,164,000 | 19,957,000 | 10,878,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,416,000 | 164,647,000 | 165,740,000 | 168,861,000 |
| Interest-bearing deposits | 121,474,000 | 121,134,000 | 119,874,000 | 120,817,000 |
| Noninterest-bearing deposits | 39,942,000 | 43,513,000 | 45,866,000 | 48,044,000 |
| Equity capital | 25,587,000 | 25,702,000 | 26,000,000 | 25,823,000 |
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 | 1,925,000 | 3,817,000 | 5,758,000 | 7,690,000 |
| Interest expense | 296,000 | 587,000 | 852,000 | 1,105,000 |
| Net interest income | 1,629,000 | 3,230,000 | 4,906,000 | 6,585,000 |
| Noninterest income | 355,000 | 596,000 | 963,000 | 1,254,000 |
| Noninterest expense | 1,397,000 | 2,698,000 | 4,192,000 | 5,608,000 |
| Provision for loan losses | 0 | 0 | 200,000 | 257,000 |
| Pretax income | 587,000 | 1,128,000 | 1,477,000 | 1,974,000 |
| Income tax | 180,000 | 319,000 | 370,000 | 620,000 |
| Net income | 407,000 | 809,000 | 1,107,000 | 1,354,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,587,000 | 25,702,000 | 26,000,000 | 25,823,000 |
| Total capital | 27,250,000 | 27,366,000 | 27,709,000 | 27,635,000 |
| Risk-weighted assets | 163,896,000 | 163,666,000 | 163,415,000 | 163,775,000 |