Call reports 2012
STATE BANK OF DE KALB — 2012
What STATE BANK OF DE KALB 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 | 124,473,000 | 120,809,000 | 124,186,000 | 126,733,000 |
| Total loans | 79,160,000 | 77,965,000 | 83,787,000 | 84,811,000 |
| Allowance for loan losses | 1,300,000 | 1,309,000 | 1,392,000 | 1,366,000 |
| Securities available for sale | 8,702,000 | 7,408,000 | 5,786,000 | 4,126,000 |
| Securities held to maturity | 10,998,000 | 7,556,000 | 7,268,000 | 3,774,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,530,000 | 102,358,000 | 102,832,000 | 106,813,000 |
| Interest-bearing deposits | 84,232,000 | 81,615,000 | 79,586,000 | 82,201,000 |
| Noninterest-bearing deposits | 21,298,000 | 20,743,000 | 23,246,000 | 24,612,000 |
| Equity capital | 17,971,000 | 18,226,000 | 18,391,000 | 18,121,000 |
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 | 1,290,000 | 2,814,000 | 4,359,000 | 5,810,000 |
| Interest expense | 129,000 | 246,000 | 357,000 | 467,000 |
| Net interest income | 1,161,000 | 2,568,000 | 4,002,000 | 5,343,000 |
| Noninterest income | 142,000 | 267,000 | 394,000 | 523,000 |
| Noninterest expense | 765,000 | 1,596,000 | 2,416,000 | 3,296,000 |
| Provision for loan losses | 0 | 50,000 | 250,000 | 450,000 |
| Pretax income | 538,000 | 1,187,000 | 1,728,000 | 2,118,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 538,000 | 1,187,000 | 1,728,000 | 2,118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,903,000 | 18,170,000 | 18,330,000 | 18,080,000 |
| Total capital | 19,001,000 | 19,224,000 | 19,332,000 | 19,208,000 |
| Risk-weighted assets | 87,211,000 | 84,037,000 | 88,031,000 | 90,026,000 |