Call reports 2012
BANK OF ERATH — 2012
What BANK OF ERATH 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 | 89,670,000 | 89,870,000 | 90,696,000 | 90,232,000 |
| Total loans | 51,483,000 | 52,475,000 | 53,598,000 | 54,652,000 |
| Allowance for loan losses | 629,000 | 606,000 | 590,000 | 582,000 |
| Securities available for sale | 24,552,000 | 25,404,000 | 23,131,000 | 22,474,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,474,000 | 76,250,000 | 76,579,000 | 76,672,000 |
| Interest-bearing deposits | 51,169,000 | 50,376,000 | 50,305,000 | 49,744,000 |
| Noninterest-bearing deposits | 25,305,000 | 25,874,000 | 26,274,000 | 26,928,000 |
| Equity capital | 12,667,000 | 12,881,000 | 13,167,000 | 12,805,000 |
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 | 987,000 | 1,983,000 | 2,992,000 | 3,986,000 |
| Interest expense | 93,000 | 182,000 | 268,000 | 349,000 |
| Net interest income | 894,000 | 1,801,000 | 2,724,000 | 3,637,000 |
| Noninterest income | 117,000 | 240,000 | 372,000 | 494,000 |
| Noninterest expense | 752,000 | 1,536,000 | 2,296,000 | 3,102,000 |
| Provision for loan losses | 0 | 0 | 0 | 75,000 |
| Pretax income | 259,000 | 505,000 | 800,000 | 954,000 |
| Income tax | 61,000 | 125,000 | 199,000 | 226,000 |
| Net income | 198,000 | 380,000 | 601,000 | 728,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,113,000 | 12,260,000 | 12,481,000 | 12,182,000 |
| Total capital | 12,742,000 | 12,866,000 | 13,071,000 | 12,764,000 |
| Risk-weighted assets | 61,051,000 | 60,156,000 | 62,940,000 | 65,710,000 |