Call reports 2012
BANK OF PALATINE — 2012
What BANK OF PALATINE 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 | 58,301,000 | 58,602,000 | 57,695,000 | 57,780,000 |
| Total loans | 18,373,000 | 17,667,000 | 17,023,000 | 16,911,000 |
| Allowance for loan losses | 705,000 | 655,000 | 637,000 | 545,000 |
| Securities available for sale | 21,327,000 | 19,977,000 | 18,740,000 | 21,376,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,369,000 | 55,022,000 | 54,120,000 | 54,571,000 |
| Interest-bearing deposits | 45,999,000 | 48,172,000 | 46,418,000 | 46,902,000 |
| Noninterest-bearing deposits | 8,370,000 | 6,850,000 | 7,702,000 | 7,669,000 |
| Equity capital | 3,224,000 | 2,812,000 | 2,802,000 | 2,420,000 |
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 | 330,000 | 656,000 | 972,000 | 1,276,000 |
| Interest expense | 52,000 | 98,000 | 139,000 | 175,000 |
| Net interest income | 278,000 | 558,000 | 833,000 | 1,101,000 |
| Noninterest income | 51,000 | 75,000 | 83,000 | 123,000 |
| Noninterest expense | 388,000 | 928,000 | 1,409,000 | 1,871,000 |
| Provision for loan losses | 34,000 | 105,000 | 136,000 | 224,000 |
| Pretax income | -93,000 | -400,000 | -629,000 | -871,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -93,000 | -400,000 | -629,000 | -871,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,186,000 | 2,878,000 | 2,650,000 | 2,409,000 |
| Total capital | 3,444,000 | 3,134,000 | 2,893,000 | 2,656,000 |
| Risk-weighted assets | 20,188,000 | 20,081,000 | 19,049,000 | 19,458,000 |