Call reports 2012
FIRST STATE BANK OF ST. ROBERT — 2012
What FIRST STATE BANK OF ST. ROBERT 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 | 98,644,000 | 98,138,000 | 96,928,000 | 96,426,000 |
| Total loans | 56,685,000 | 54,726,000 | 54,719,000 | 54,811,000 |
| Allowance for loan losses | 850,000 | 858,000 | 870,000 | 843,000 |
| Securities available for sale | 21,547,000 | 21,879,000 | 22,016,000 | 23,432,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,717,000 | 87,058,000 | 85,693,000 | 85,126,000 |
| Interest-bearing deposits | 76,871,000 | 76,226,000 | 74,540,000 | 72,940,000 |
| Noninterest-bearing deposits | 10,846,000 | 10,832,000 | 11,153,000 | 12,186,000 |
| Equity capital | 9,639,000 | 9,828,000 | 9,980,000 | 10,140,000 |
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 | 1,168,000 | 2,300,000 | 3,415,000 | 4,506,000 |
| Interest expense | 212,000 | 402,000 | 584,000 | 749,000 |
| Net interest income | 956,000 | 1,898,000 | 2,831,000 | 3,757,000 |
| Noninterest income | 176,000 | 359,000 | 525,000 | 672,000 |
| Noninterest expense | 800,000 | 1,625,000 | 2,434,000 | 3,198,000 |
| Provision for loan losses | 50,000 | 80,000 | 110,000 | 150,000 |
| Pretax income | 282,000 | 552,000 | 812,000 | 1,081,000 |
| Income tax | 77,000 | 150,000 | 217,000 | 290,000 |
| Net income | 205,000 | 402,000 | 595,000 | 791,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,412,000 | 9,609,000 | 9,802,000 | 9,998,000 |
| Total capital | 10,095,000 | 10,290,000 | 10,486,000 | 10,682,000 |
| Risk-weighted assets | 54,496,000 | 54,283,000 | 54,485,000 | 54,562,000 |