Call reports 2012
STATE BANK OF BOTTINEAU — 2012
What STATE BANK OF BOTTINEAU 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 | 51,958,000 | 55,029,000 | 55,939,000 | 58,397,000 |
| Total loans | 37,768,000 | 44,906,000 | 45,107,000 | 42,582,000 |
| Allowance for loan losses | 537,000 | 552,000 | 558,000 | 418,000 |
| Securities available for sale | 4,756,000 | 4,529,000 | 4,389,000 | 4,115,000 |
| Securities held to maturity | 179,000 | 172,000 | 165,000 | 158,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,139,000 | 46,183,000 | 49,828,000 | 52,497,000 |
| Interest-bearing deposits | 38,492,000 | 38,513,000 | 39,538,000 | 40,300,000 |
| Noninterest-bearing deposits | 7,647,000 | 7,670,000 | 10,290,000 | 12,197,000 |
| Equity capital | 4,638,000 | 4,669,000 | 4,915,000 | 4,759,000 |
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 | 560,000 | 1,180,000 | 1,835,000 | 2,482,000 |
| Interest expense | 86,000 | 171,000 | 257,000 | 338,000 |
| Net interest income | 474,000 | 1,009,000 | 1,578,000 | 2,144,000 |
| Noninterest income | 64,000 | 98,000 | 157,000 | 213,000 |
| Noninterest expense | 411,000 | 812,000 | 1,214,000 | 1,629,000 |
| Provision for loan losses | 87,000 | 215,000 | 221,000 | 587,000 |
| Pretax income | 34,000 | 74,000 | 294,000 | 135,000 |
| Income tax | 7,000 | 15,000 | 22,000 | 2,000 |
| Net income | 27,000 | 59,000 | 272,000 | 133,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,277,000 | 4,315,000 | 4,527,000 | 4,395,000 |
| Total capital | 4,747,000 | 4,853,000 | 5,085,000 | 4,813,000 |
| Risk-weighted assets | 37,565,000 | 43,060,000 | 46,213,000 | 42,371,000 |