Call reports 2012
BRIDGEWATER BANK — 2012
What BRIDGEWATER 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 | 412,268,000 | 435,207,000 | 442,974,000 | 459,843,000 |
| Total loans | 345,968,000 | 359,874,000 | 370,161,000 | 380,958,000 |
| Allowance for loan losses | 7,866,000 | 8,029,000 | 8,719,000 | 7,514,000 |
| Securities available for sale | 23,439,000 | 27,017,000 | 30,237,000 | 33,482,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 375,135,000 | 398,022,000 | 404,073,000 | 410,129,000 |
| Interest-bearing deposits | 346,645,000 | 359,537,000 | 360,429,000 | 362,318,000 |
| Noninterest-bearing deposits | 28,490,000 | 38,485,000 | 43,644,000 | 47,811,000 |
| Equity capital | 35,869,000 | 36,465,000 | 37,993,000 | 39,108,000 |
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 | 5,446,000 | 11,185,000 | 17,087,000 | 23,138,000 |
| Interest expense | 1,090,000 | 2,124,000 | 3,108,000 | 4,014,000 |
| Net interest income | 4,356,000 | 9,061,000 | 13,979,000 | 19,124,000 |
| Noninterest income | 31,000 | -63,000 | 554,000 | 238,000 |
| Noninterest expense | 1,559,000 | 3,175,000 | 5,080,000 | 6,938,000 |
| Provision for loan losses | 1,050,000 | 1,990,000 | 3,340,000 | 4,390,000 |
| Pretax income | 1,778,000 | 3,833,000 | 6,113,000 | 8,034,000 |
| Income tax | 684,000 | 1,481,000 | 2,369,000 | 3,096,000 |
| Net income | 1,094,000 | 2,352,000 | 3,744,000 | 4,938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,575,000 | 36,083,000 | 37,475,000 | 38,678,000 |
| Total capital | 39,956,000 | 40,642,000 | 42,326,000 | 43,636,000 |
| Risk-weighted assets | 346,976,000 | 361,150,000 | 384,112,000 | 394,031,000 |