Call reports 2012
CARNEY STATE BANK, THE — 2012
What CARNEY STATE BANK, THE 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 | 19,785,000 | 20,090,000 | 19,476,000 | 18,284,000 |
| Total loans | 6,802,000 | 6,969,000 | 7,090,000 | 8,038,000 |
| Allowance for loan losses | 67,000 | 66,000 | 66,000 | 66,000 |
| Securities available for sale | 8,000,000 | 8,265,000 | 8,015,000 | 6,605,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,927,000 | 17,993,000 | 17,358,000 | 16,290,000 |
| Interest-bearing deposits | 16,300,000 | 16,135,000 | 15,568,000 | 14,474,000 |
| Noninterest-bearing deposits | 1,627,000 | 1,858,000 | 1,790,000 | 1,816,000 |
| Equity capital | 1,720,000 | 1,917,000 | 1,943,000 | 1,855,000 |
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 | 176,000 | 363,000 | 557,000 | 748,000 |
| Interest expense | 58,000 | 107,000 | 148,000 | 181,000 |
| Net interest income | 118,000 | 256,000 | 409,000 | 567,000 |
| Noninterest income | 18,000 | 39,000 | 60,000 | 92,000 |
| Noninterest expense | 137,000 | 281,000 | 430,000 | 624,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 63,000 | 164,000 | 189,000 | 237,000 |
| Income tax | 6,000 | 0 | 0 | 77,000 |
| Net income | 57,000 | 164,000 | 189,000 | 160,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,515,000 | 1,621,000 | 1,646,000 | 1,618,000 |
| Total capital | 1,582,000 | 1,687,000 | 1,712,000 | 1,684,000 |
| Risk-weighted assets | 6,576,000 | 6,684,000 | 6,731,000 | 7,141,000 |