Call reports 2012
FIRST SOUND BANK — 2012
What FIRST SOUND 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 | 152,517,000 | 136,894,000 | 135,351,000 | 131,367,000 |
| Total loans | 91,903,000 | 91,185,000 | 84,426,000 | 78,062,000 |
| Allowance for loan losses | 2,969,000 | 2,704,000 | 2,245,000 | 1,944,000 |
| Securities available for sale | 593,000 | 574,000 | 550,000 | 35,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,103,000 | 131,524,000 | 126,527,000 | 124,595,000 |
| Interest-bearing deposits | 126,939,000 | 113,687,000 | 109,251,000 | 103,389,000 |
| Noninterest-bearing deposits | 20,164,000 | 17,837,000 | 17,276,000 | 21,206,000 |
| Equity capital | 3,921,000 | 4,136,000 | 5,565,000 | 5,738,000 |
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 | 1,541,000 | 3,054,000 | 4,487,000 | 5,748,000 |
| Interest expense | 218,000 | 397,000 | 557,000 | 699,000 |
| Net interest income | 1,323,000 | 2,657,000 | 3,930,000 | 5,049,000 |
| Noninterest income | -167,000 | -27,000 | 1,408,000 | 1,355,000 |
| Noninterest expense | 1,432,000 | 2,832,000 | 4,535,000 | 5,704,000 |
| Provision for loan losses | -130,000 | -270,000 | -700,000 | -978,000 |
| Pretax income | -146,000 | 68,000 | 1,503,000 | 1,678,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -146,000 | 68,000 | 1,503,000 | 1,678,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,914,000 | 4,129,000 | 5,566,000 | 5,738,000 |
| Total capital | 5,102,000 | 5,348,000 | 6,611,000 | 6,678,000 |
| Risk-weighted assets | 93,203,000 | 96,042,000 | 82,348,000 | 74,197,000 |