Call reports 2012
S-BANK — 2012
What S-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 | 221,710,000 | 209,494,000 | 194,906,000 | 194,135,000 |
| Total loans | 123,872,000 | 117,234,000 | 117,556,000 | 113,305,000 |
| Allowance for loan losses | 2,059,000 | 2,059,000 | 2,208,000 | 1,991,000 |
| Securities available for sale | 66,492,000 | 66,859,000 | 59,249,000 | 64,468,000 |
| Securities held to maturity | 171,000 | 154,000 | 136,000 | 114,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,447,000 | 177,782,000 | 169,128,000 | 165,401,000 |
| Interest-bearing deposits | 169,813,000 | 153,963,000 | 148,809,000 | 141,346,000 |
| Noninterest-bearing deposits | 20,634,000 | 23,819,000 | 20,319,000 | 24,055,000 |
| Equity capital | 16,825,000 | 17,225,000 | 17,554,000 | 17,561,000 |
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 | 2,070,000 | 4,116,000 | 6,007,000 | 7,824,000 |
| Interest expense | 468,000 | 874,000 | 1,200,000 | 1,525,000 |
| Net interest income | 1,602,000 | 3,242,000 | 4,807,000 | 6,299,000 |
| Noninterest income | 190,000 | 379,000 | 452,000 | 343,000 |
| Noninterest expense | 1,489,000 | 2,972,000 | 4,402,000 | 5,765,000 |
| Provision for loan losses | 50,000 | 50,000 | 200,000 | 200,000 |
| Pretax income | 253,000 | 657,000 | 803,000 | 943,000 |
| Income tax | 77,000 | 231,000 | 270,000 | 312,000 |
| Net income | 176,000 | 426,000 | 533,000 | 631,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,562,000 | 16,801,000 | 16,891,000 | 16,783,000 |
| Total capital | 18,210,000 | 18,438,000 | 18,524,000 | 18,447,000 |
| Risk-weighted assets | 131,295,000 | 130,555,000 | 129,931,000 | 132,685,000 |