Call reports 2012
SANDHILLS BANK — 2012
What SANDHILLS 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 | 63,931,000 | 67,605,000 | 68,868,000 | 71,607,000 |
| Total loans | 22,393,000 | 31,560,000 | 34,722,000 | 36,666,000 |
| Allowance for loan losses | 358,000 | 364,000 | 389,000 | 565,000 |
| Securities available for sale | 24,823,000 | 21,881,000 | 21,470,000 | 20,175,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,954,000 | 58,874,000 | 60,145,000 | 62,389,000 |
| Interest-bearing deposits | 50,447,000 | 53,382,000 | 55,574,000 | 58,175,000 |
| Noninterest-bearing deposits | 5,507,000 | 5,492,000 | 4,571,000 | 4,214,000 |
| Equity capital | 7,459,000 | 7,988,000 | 8,010,000 | 8,255,000 |
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 | 633,000 | 1,345,000 | 2,064,000 | 2,813,000 |
| Interest expense | 116,000 | 234,000 | 357,000 | 482,000 |
| Net interest income | 517,000 | 1,111,000 | 1,707,000 | 2,331,000 |
| Noninterest income | 54,000 | 120,000 | 158,000 | 215,000 |
| Noninterest expense | 535,000 | 1,169,000 | 1,665,000 | 2,236,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 25,000 |
| Pretax income | 52,000 | 243,000 | 368,000 | 478,000 |
| Income tax | 0 | 0 | 16,000 | 11,000 |
| Net income | 52,000 | 243,000 | 352,000 | 467,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,689,000 | 6,901,000 | 7,032,000 | 7,169,000 |
| Total capital | 7,047,000 | 7,265,000 | 7,421,000 | 7,629,000 |
| Risk-weighted assets | 33,147,000 | 33,936,000 | 35,694,000 | 36,665,000 |