Call reports 2012
STATE BANK OF HERSCHER — 2012
What STATE BANK OF HERSCHER 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 | 191,361,000 | 182,621,000 | 182,736,000 | 180,498,000 |
| Total loans | 128,115,000 | 120,729,000 | 117,035,000 | 107,607,000 |
| Allowance for loan losses | 4,014,000 | 5,967,000 | 7,930,000 | 7,936,000 |
| Securities available for sale | 43,981,000 | 48,247,000 | 45,283,000 | 38,469,000 |
| Securities held to maturity | 4,054,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,074,000 | 171,706,000 | 173,541,000 | 171,605,000 |
| Interest-bearing deposits | 150,380,000 | 143,439,000 | 149,528,000 | 138,341,000 |
| Noninterest-bearing deposits | 23,694,000 | 28,267,000 | 24,013,000 | 33,264,000 |
| Equity capital | 15,743,000 | 9,831,000 | 8,024,000 | 6,637,000 |
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 | 1,986,000 | 4,114,000 | 5,883,000 | 7,405,000 |
| Interest expense | 377,000 | 755,000 | 1,106,000 | 1,397,000 |
| Net interest income | 1,609,000 | 3,359,000 | 4,777,000 | 6,008,000 |
| Noninterest income | 148,000 | -613,000 | -611,000 | -277,000 |
| Noninterest expense | 1,369,000 | 2,798,000 | 4,288,000 | 6,766,000 |
| Provision for loan losses | 300,000 | 6,075,000 | 8,951,000 | 9,464,000 |
| Pretax income | 416,000 | -5,644,000 | -8,470,000 | -9,591,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 416,000 | -5,644,000 | -8,470,000 | -9,591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,565,000 | 9,471,000 | 7,686,000 | 6,627,000 |
| Total capital | 17,258,000 | 11,067,000 | 9,202,000 | 8,028,000 |
| Risk-weighted assets | 133,136,000 | 123,306,000 | 114,887,000 | 104,637,000 |