Call reports 2012
STATE BANK OF DAVIS — 2012
What STATE BANK OF DAVIS 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 | 135,719,000 | 130,773,000 | 142,371,000 | 135,835,000 |
| Total loans | 88,239,000 | 84,633,000 | 84,521,000 | 90,913,000 |
| Allowance for loan losses | 1,757,000 | 1,966,000 | 2,129,000 | 2,433,000 |
| Securities available for sale | 37,795,000 | 36,179,000 | 36,433,000 | 37,744,000 |
| Securities held to maturity | 1,987,000 | 1,824,000 | 1,836,000 | 1,703,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,031,000 | 111,409,000 | 119,843,000 | 113,493,000 |
| Interest-bearing deposits | 103,203,000 | 102,128,000 | 105,352,000 | 102,364,000 |
| Noninterest-bearing deposits | 9,828,000 | 9,281,000 | 14,491,000 | 11,129,000 |
| Equity capital | 13,254,000 | 13,674,000 | 14,039,000 | 13,485,000 |
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 | 1,575,000 | 3,106,000 | 4,579,000 | 6,127,000 |
| Interest expense | 365,000 | 707,000 | 1,027,000 | 1,326,000 |
| Net interest income | 1,210,000 | 2,399,000 | 3,552,000 | 4,801,000 |
| Noninterest income | 74,000 | 161,000 | 201,000 | 283,000 |
| Noninterest expense | 486,000 | 950,000 | 1,425,000 | 1,925,000 |
| Provision for loan losses | 188,000 | 414,000 | 597,000 | 884,000 |
| Pretax income | 611,000 | 1,203,000 | 1,738,000 | 2,312,000 |
| Income tax | 178,000 | 348,000 | 498,000 | 663,000 |
| Net income | 433,000 | 855,000 | 1,240,000 | 1,649,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,280,000 | 12,511,000 | 12,705,000 | 12,364,000 |
| Total capital | 13,451,000 | 13,638,000 | 13,827,000 | 13,568,000 |
| Risk-weighted assets | 93,084,000 | 89,094,000 | 88,740,000 | 95,114,000 |