Call reports 2012
ST. MARYS STATE BANK, THE — 2012
What ST. MARYS STATE 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 | 86,605,000 | 85,089,000 | 89,594,000 | 88,502,000 |
| Total loans | 52,647,000 | 51,584,000 | 52,702,000 | 49,404,000 |
| Allowance for loan losses | 1,073,000 | 1,219,000 | 1,305,000 | 1,368,000 |
| Securities available for sale | 20,461,000 | 23,423,000 | 24,572,000 | 28,130,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,811,000 | 67,063,000 | 71,259,000 | 70,033,000 |
| Interest-bearing deposits | 56,522,000 | 54,340,000 | 55,010,000 | 53,555,000 |
| Noninterest-bearing deposits | 12,289,000 | 12,723,000 | 16,249,000 | 16,478,000 |
| Equity capital | 8,654,000 | 8,893,000 | 9,165,000 | 9,314,000 |
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 | 951,000 | 1,890,000 | 2,811,000 | 3,731,000 |
| Interest expense | 240,000 | 466,000 | 685,000 | 894,000 |
| Net interest income | 711,000 | 1,424,000 | 2,126,000 | 2,837,000 |
| Noninterest income | 171,000 | 346,000 | 558,000 | 750,000 |
| Noninterest expense | 587,000 | 1,122,000 | 1,690,000 | 2,296,000 |
| Provision for loan losses | 150,000 | 300,000 | 375,000 | 450,000 |
| Pretax income | 145,000 | 348,000 | 619,000 | 841,000 |
| Income tax | 11,000 | 26,000 | 42,000 | 57,000 |
| Net income | 134,000 | 322,000 | 577,000 | 784,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,007,000 | 8,195,000 | 8,450,000 | 8,656,000 |
| Total capital | 8,775,000 | 8,971,000 | 9,277,000 | 9,407,000 |
| Risk-weighted assets | 61,103,000 | 61,626,000 | 65,644,000 | 64,571,000 |