Call reports 2012
BANK OF SAINT ELIZABETH — 2012
What BANK OF SAINT ELIZABETH 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 | 100,159,000 | 101,347,000 | 100,855,000 | 101,262,000 |
| Total loans | 72,070,000 | 74,340,000 | 77,505,000 | 76,561,000 |
| Allowance for loan losses | 621,000 | 621,000 | 630,000 | 630,000 |
| Securities available for sale | 2,428,000 | 1,428,000 | 921,000 | 216,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,923,000 | 84,988,000 | 83,950,000 | 84,687,000 |
| Interest-bearing deposits | 66,367,000 | 68,365,000 | 67,611,000 | 66,866,000 |
| Noninterest-bearing deposits | 17,556,000 | 16,623,000 | 16,339,000 | 17,821,000 |
| Equity capital | 11,050,000 | 11,351,000 | 11,857,000 | 12,171,000 |
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 | 1,231,000 | 2,463,000 | 3,717,000 | 4,962,000 |
| Interest expense | 215,000 | 421,000 | 625,000 | 818,000 |
| Net interest income | 1,016,000 | 2,042,000 | 3,092,000 | 4,144,000 |
| Noninterest income | 202,000 | 389,000 | 599,000 | 835,000 |
| Noninterest expense | 629,000 | 1,198,000 | 1,826,000 | 2,745,000 |
| Provision for loan losses | 31,000 | 120,000 | 137,000 | 189,000 |
| Pretax income | 558,000 | 1,115,000 | 1,730,000 | 2,047,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 558,000 | 1,115,000 | 1,730,000 | 2,047,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,854,000 | 8,177,000 | 8,713,000 | 9,055,000 |
| Total capital | 8,475,000 | 8,798,000 | 9,343,000 | 9,685,000 |
| Risk-weighted assets | 72,685,000 | 73,385,000 | 75,371,000 | 75,460,000 |