Call reports 2012
SMALL TOWN BANK — 2012
What SMALL TOWN BANK 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 | 237,430,000 | 237,185,000 | 233,916,000 | 231,483,000 |
| Total loans | 112,569,000 | 113,001,000 | 109,240,000 | 103,453,000 |
| Allowance for loan losses | 3,091,000 | 3,034,000 | 3,344,000 | 2,025,000 |
| Securities available for sale | 94,151,000 | 91,425,000 | 90,908,000 | 94,097,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,426,000 | 193,372,000 | 191,751,000 | 190,011,000 |
| Interest-bearing deposits | 177,484,000 | 175,528,000 | 174,506,000 | 171,918,000 |
| Noninterest-bearing deposits | 17,942,000 | 17,844,000 | 17,245,000 | 18,092,000 |
| Equity capital | 31,157,000 | 32,467,000 | 33,400,000 | 32,916,000 |
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 | 2,960,000 | 5,837,000 | 8,631,000 | 11,343,000 |
| Interest expense | 885,000 | 1,728,000 | 2,518,000 | 3,253,000 |
| Net interest income | 2,075,000 | 4,109,000 | 6,113,000 | 8,090,000 |
| Noninterest income | 247,000 | 439,000 | 716,000 | 715,000 |
| Noninterest expense | 1,259,000 | 2,522,000 | 3,722,000 | 4,854,000 |
| Provision for loan losses | 275,000 | 500,000 | 925,000 | 1,315,000 |
| Pretax income | 788,000 | 1,526,000 | 2,182,000 | 2,636,000 |
| Income tax | 124,000 | 152,000 | 256,000 | 175,000 |
| Net income | 664,000 | 1,374,000 | 1,926,000 | 2,461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,030,000 | 27,755,000 | 28,324,000 | 28,079,000 |
| Total capital | 28,797,000 | 29,534,000 | 30,050,000 | 29,749,000 |
| Risk-weighted assets | 140,049,000 | 141,041,000 | 136,468,000 | 133,218,000 |