Call reports 2012
STROUD NATIONAL BANK — 2012
What STROUD NATIONAL 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 | 79,618,000 | 79,038,000 | 79,209,000 | 80,283,000 |
| Total loans | 48,072,000 | 48,119,000 | 46,783,000 | 47,768,000 |
| Allowance for loan losses | 1,050,000 | 1,071,000 | 1,066,000 | 1,077,000 |
| Securities available for sale | 19,078,000 | 22,489,000 | 22,593,000 | 21,446,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,948,000 | 60,409,000 | 60,684,000 | 62,061,000 |
| Interest-bearing deposits | 47,901,000 | 47,328,000 | 47,484,000 | 47,881,000 |
| Noninterest-bearing deposits | 13,047,000 | 13,081,000 | 13,200,000 | 14,180,000 |
| Equity capital | 8,729,000 | 8,775,000 | 8,854,000 | 8,840,000 |
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 | 987,000 | 1,950,000 | 2,863,000 | 3,931,000 |
| Interest expense | 163,000 | 322,000 | 473,000 | 691,000 |
| Net interest income | 824,000 | 1,628,000 | 2,390,000 | 3,240,000 |
| Noninterest income | 217,000 | 428,000 | 642,000 | 855,000 |
| Noninterest expense | 909,000 | 1,774,000 | 2,703,000 | 3,605,000 |
| Provision for loan losses | 32,000 | 62,000 | 67,000 | 67,000 |
| Pretax income | 144,000 | 321,000 | 409,000 | 667,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 144,000 | 321,000 | 409,000 | 667,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,998,000 | 8,046,000 | 8,078,000 | 8,260,000 |
| Total capital | 8,654,000 | 8,697,000 | 8,712,000 | 8,911,000 |
| Risk-weighted assets | 51,686,000 | 51,745,000 | 50,453,000 | 51,608,000 |