Call reports 2012
FOLSOM LAKE BANK — 2012
What FOLSOM LAKE 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 | 117,346,000 | 120,091,000 | 127,372,000 | 130,874,000 |
| Total loans | 75,250,000 | 76,117,000 | 74,592,000 | 74,922,000 |
| Allowance for loan losses | 1,771,000 | 1,696,000 | 1,565,000 | 1,631,000 |
| Securities available for sale | 26,741,000 | 23,613,000 | 33,766,000 | 44,028,000 |
| Securities held to maturity | 1,788,000 | 1,587,000 | 1,434,000 | 1,285,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,017,000 | 100,619,000 | 107,565,000 | 110,096,000 |
| Interest-bearing deposits | 76,858,000 | 78,355,000 | 80,631,000 | 83,094,000 |
| Noninterest-bearing deposits | 21,158,000 | 22,264,000 | 26,934,000 | 27,002,000 |
| Equity capital | 12,976,000 | 13,105,000 | 13,423,000 | 13,354,000 |
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 | 1,335,000 | 2,658,000 | 3,893,000 | 5,132,000 |
| Interest expense | 182,000 | 355,000 | 528,000 | 699,000 |
| Net interest income | 1,153,000 | 2,303,000 | 3,365,000 | 4,433,000 |
| Noninterest income | -80,000 | -88,000 | -51,000 | -19,000 |
| Noninterest expense | 901,000 | 1,801,000 | 2,676,000 | 3,585,000 |
| Provision for loan losses | 60,000 | 235,000 | 400,000 | 465,000 |
| Pretax income | 112,000 | 273,000 | 391,000 | 603,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 112,000 | 273,000 | 391,000 | 603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,305,000 | 12,476,000 | 12,599,000 | 12,816,000 |
| Total capital | 13,407,000 | 13,608,000 | 13,737,000 | 13,970,000 |
| Risk-weighted assets | 86,786,000 | 89,345,000 | 89,934,000 | 91,152,000 |