Call reports 2012
STONE BANK — 2012
What STONE 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 | 62,347,000 | 61,332,000 | 61,536,000 | 70,702,000 |
| Total loans | 46,531,000 | 46,407,000 | 47,722,000 | 47,310,000 |
| Allowance for loan losses | 1,653,000 | 1,728,000 | 1,622,000 | 1,689,000 |
| Securities available for sale | 8,472,000 | 6,567,000 | 7,233,000 | 6,917,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,909,000 | 52,688,000 | 52,926,000 | 61,782,000 |
| Interest-bearing deposits | 50,156,000 | 49,312,000 | 49,930,000 | 56,286,000 |
| Noninterest-bearing deposits | 3,753,000 | 3,376,000 | 2,996,000 | 5,496,000 |
| Equity capital | 8,198,000 | 8,426,000 | 8,464,000 | 8,752,000 |
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 | 749,000 | 1,550,000 | 2,270,000 | 3,051,000 |
| Interest expense | 230,000 | 439,000 | 632,000 | 829,000 |
| Net interest income | 519,000 | 1,111,000 | 1,638,000 | 2,222,000 |
| Noninterest income | 218,000 | 517,000 | 707,000 | 1,012,000 |
| Noninterest expense | 596,000 | 1,261,000 | 1,803,000 | 2,565,000 |
| Provision for loan losses | 26,000 | 126,000 | 218,000 | 263,000 |
| Pretax income | 213,000 | 412,000 | 528,000 | 610,000 |
| Income tax | 81,000 | 158,000 | 202,000 | 234,000 |
| Net income | 132,000 | 254,000 | 326,000 | 376,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,783,000 | 6,085,000 | 6,221,000 | 6,527,000 |
| Total capital | 6,332,000 | 6,637,000 | 6,785,000 | 7,125,000 |
| Risk-weighted assets | 42,818,000 | 42,242,000 | 44,086,000 | 46,787,000 |