Call reports 2012
SOUND BANKING COMPANY — 2012
What SOUND BANKING COMPANY 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 | 52,478,000 | 50,112,000 | 50,582,000 | 46,697,000 |
| Total loans | 37,730,000 | 36,860,000 | 35,920,000 | 35,985,000 |
| Allowance for loan losses | 592,000 | 601,000 | 601,000 | 597,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,225,000 | 45,782,000 | 45,957,000 | 42,075,000 |
| Interest-bearing deposits | 39,771,000 | 35,427,000 | 34,899,000 | 31,588,000 |
| Noninterest-bearing deposits | 8,454,000 | 10,355,000 | 11,058,000 | 10,487,000 |
| Equity capital | 4,173,000 | 4,239,000 | 4,510,000 | 4,602,000 |
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 | 618,000 | 1,231,000 | 1,821,000 | 2,390,000 |
| Interest expense | 77,000 | 140,000 | 189,000 | 236,000 |
| Net interest income | 541,000 | 1,091,000 | 1,632,000 | 2,154,000 |
| Noninterest income | 43,000 | 88,000 | 143,000 | 193,000 |
| Noninterest expense | 334,000 | 688,000 | 1,013,000 | 1,447,000 |
| Provision for loan losses | 0 | 135,000 | 135,000 | 181,000 |
| Pretax income | 250,000 | 356,000 | 627,000 | 719,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 250,000 | 356,000 | 627,000 | 719,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,173,000 | 4,239,000 | 4,510,000 | 4,602,000 |
| Total capital | 4,599,000 | 4,659,000 | 4,945,000 | 5,030,000 |
| Risk-weighted assets | 33,895,000 | 33,432,000 | 34,665,000 | 34,054,000 |