Call reports 2012
TEMPO BANK — 2012
What TEMPO 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 | 92,149,000 | 93,492,000 | 90,825,000 | 90,821,000 |
| Total loans | 73,923,000 | 74,292,000 | 75,038,000 | 74,551,000 |
| Allowance for loan losses | 362,000 | 392,000 | 422,000 | 432,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,115,000 | 78,332,000 | 75,545,000 | 75,399,000 |
| Interest-bearing deposits | 72,564,000 | 75,067,000 | 72,002,000 | 66,067,000 |
| Noninterest-bearing deposits | 4,551,000 | 3,265,000 | 3,543,000 | 9,332,000 |
| Equity capital | 9,206,000 | 9,304,000 | 9,419,000 | 9,558,000 |
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 | 1,001,000 | 1,970,000 | 2,933,000 | 3,881,000 |
| Interest expense | 255,000 | 485,000 | 690,000 | 884,000 |
| Net interest income | 746,000 | 1,485,000 | 2,243,000 | 2,997,000 |
| Noninterest income | -60,000 | -51,000 | -9,000 | 47,000 |
| Noninterest expense | 606,000 | 1,167,000 | 1,746,000 | 2,320,000 |
| Provision for loan losses | 182,000 | 212,000 | 247,000 | 257,000 |
| Pretax income | -102,000 | 55,000 | 241,000 | 467,000 |
| Income tax | -58,000 | 11,000 | 92,000 | 189,000 |
| Net income | -44,000 | 44,000 | 149,000 | 278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,206,000 | 9,304,000 | 9,419,000 | 9,558,000 |
| Total capital | 9,568,000 | 9,696,000 | 9,841,000 | 9,990,000 |
| Risk-weighted assets | 44,814,000 | 46,992,000 | 46,791,000 | 46,437,000 |