Call reports 2012
FOUNDERS COMMUNITY BANK — 2012
What FOUNDERS COMMUNITY 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 | 120,696,000 | 127,180,000 | 128,361,000 | 135,728,000 |
| Total loans | 87,112,000 | 98,397,000 | 87,636,000 | 97,881,000 |
| Allowance for loan losses | 1,481,000 | 1,636,000 | 1,643,000 | 1,640,000 |
| Securities available for sale | 0 | 0 | 1,041,000 | 1,002,000 |
| Securities held to maturity | 214,000 | 214,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,644,000 | 111,970,000 | 112,865,000 | 120,008,000 |
| Interest-bearing deposits | 61,444,000 | 63,430,000 | 60,941,000 | 64,868,000 |
| Noninterest-bearing deposits | 44,200,000 | 48,540,000 | 51,924,000 | 55,140,000 |
| Equity capital | 14,933,000 | 15,083,000 | 15,376,000 | 15,615,000 |
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 | 1,436,000 | 2,945,000 | 4,565,000 | 6,094,000 |
| Interest expense | 74,000 | 143,000 | 207,000 | 269,000 |
| Net interest income | 1,362,000 | 2,802,000 | 4,358,000 | 5,825,000 |
| Noninterest income | 80,000 | 143,000 | 208,000 | 279,000 |
| Noninterest expense | 1,085,000 | 2,140,000 | 3,310,000 | 4,445,000 |
| Provision for loan losses | 31,000 | 196,000 | 195,000 | 191,000 |
| Pretax income | 326,000 | 609,000 | 1,061,000 | 1,468,000 |
| Income tax | 137,000 | 257,000 | 447,000 | 618,000 |
| Net income | 189,000 | 352,000 | 614,000 | 850,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,933,000 | 15,083,000 | 15,363,000 | 15,617,000 |
| Total capital | 16,052,000 | 16,348,000 | 16,545,000 | 16,936,000 |
| Risk-weighted assets | 89,127,000 | 100,804,000 | 94,106,000 | 105,211,000 |