Call reports 2012
FIRST BANK OF BANCROFT — 2012
What FIRST BANK OF BANCROFT 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 | 20,362,000 | 21,743,000 | 21,070,000 | 20,836,000 |
| Total loans | 8,732,000 | 8,507,000 | 8,027,000 | 8,988,000 |
| Allowance for loan losses | 111,000 | 111,000 | 106,000 | 116,000 |
| Securities available for sale | 3,946,000 | 4,250,000 | 4,497,000 | 4,713,000 |
| Securities held to maturity | 400,000 | 400,000 | 400,000 | 400,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,916,000 | 18,311,000 | 17,581,000 | 16,191,000 |
| Interest-bearing deposits | 13,863,000 | 14,404,000 | 14,104,000 | 12,847,000 |
| Noninterest-bearing deposits | 3,053,000 | 3,907,000 | 3,477,000 | 3,344,000 |
| Equity capital | 3,258,000 | 3,280,000 | 3,331,000 | 3,262,000 |
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 | 186,000 | 359,000 | 527,000 | 704,000 |
| Interest expense | 29,000 | 53,000 | 77,000 | 99,000 |
| Net interest income | 157,000 | 306,000 | 450,000 | 605,000 |
| Noninterest income | 12,000 | 26,000 | 39,000 | 52,000 |
| Noninterest expense | 115,000 | 241,000 | 366,000 | 534,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | 10,000 |
| Pretax income | 44,000 | 81,000 | 113,000 | 113,000 |
| Income tax | 15,000 | 13,000 | 18,000 | 9,000 |
| Net income | 29,000 | 68,000 | 95,000 | 104,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,223,000 | 3,262,000 | 3,290,000 | 3,198,000 |
| Total capital | 3,334,000 | 3,373,000 | 3,396,000 | 3,314,000 |
| Risk-weighted assets | 12,181,000 | 12,054,000 | 11,607,000 | 12,252,000 |