Call reports 2012
CERTUSBANK, NATIONAL ASSOCIATION — 2012
What CERTUSBANK, NATIONAL ASSOCIATION 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 | 1,830,077,000 | 1,765,100,000 | 1,696,264,000 | 1,822,137,000 |
| Total loans | 719,554,000 | 704,342,000 | 698,283,000 | 801,403,000 |
| Allowance for loan losses | 10,655,000 | 11,226,000 | 13,564,000 | 21,680,000 |
| Securities available for sale | 420,541,000 | 447,437,000 | 419,410,000 | 433,965,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 20,000 | 79,000 | 234,000 |
| Total deposits | 1,484,257,000 | 1,461,751,000 | 1,404,283,000 | 1,527,786,000 |
| Interest-bearing deposits | 1,368,757,000 | 1,351,152,000 | 1,277,597,000 | 1,394,429,000 |
| Noninterest-bearing deposits | 115,500,000 | 110,599,000 | 126,686,000 | 133,357,000 |
| Equity capital | 250,586,000 | 245,123,000 | 237,522,000 | 235,029,000 |
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 | 17,015,000 | 34,921,000 | 48,771,000 | 64,629,000 |
| Interest expense | 2,751,000 | 6,248,000 | 8,712,000 | 10,934,000 |
| Net interest income | 14,264,000 | 28,673,000 | 40,059,000 | 53,695,000 |
| Noninterest income | 7,514,000 | 12,241,000 | 21,317,000 | 46,412,000 |
| Noninterest expense | 24,427,000 | 52,547,000 | 81,838,000 | 117,472,000 |
| Provision for loan losses | 5,530,000 | 6,336,000 | 10,143,000 | 20,033,000 |
| Pretax income | -7,027,000 | -15,948,000 | -26,120,000 | -32,797,000 |
| Income tax | -2,811,000 | -5,582,000 | -9,142,000 | -12,897,000 |
| Net income | -4,216,000 | -10,366,000 | -16,978,000 | -19,900,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 241,159,000 | 235,614,000 | 229,598,000 | 224,044,000 |
| Total capital | 248,405,000 | 243,611,000 | 238,608,000 | 234,332,000 |
| Risk-weighted assets | 593,577,000 | 635,808,000 | 715,481,000 | 810,808,000 |