Call reports 2012
VERGAS STATE BANK — 2012
What VERGAS STATE 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 | 46,303,000 | 47,973,000 | 48,121,000 | 47,358,000 |
| Total loans | 18,814,000 | 18,514,000 | 19,530,000 | 19,080,000 |
| Allowance for loan losses | 409,000 | 407,000 | 390,000 | 405,000 |
| Securities available for sale | 12,598,000 | 11,009,000 | 11,947,000 | 13,592,000 |
| Securities held to maturity | 4,942,000 | 5,937,000 | 6,037,000 | 5,945,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,892,000 | 41,346,000 | 41,416,000 | 40,770,000 |
| Interest-bearing deposits | 34,748,000 | 36,070,000 | 35,303,000 | 34,177,000 |
| Noninterest-bearing deposits | 5,144,000 | 5,276,000 | 6,113,000 | 6,593,000 |
| Equity capital | 6,180,000 | 6,333,000 | 6,391,000 | 6,430,000 |
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 | 394,000 | 791,000 | 1,192,000 | 1,589,000 |
| Interest expense | 100,000 | 191,000 | 281,000 | 365,000 |
| Net interest income | 294,000 | 600,000 | 911,000 | 1,224,000 |
| Noninterest income | 43,000 | 88,000 | 131,000 | 164,000 |
| Noninterest expense | 242,000 | 470,000 | 718,000 | 971,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 96,000 | 219,000 | 325,000 | 398,000 |
| Income tax | 30,000 | 74,000 | 110,000 | 129,000 |
| Net income | 66,000 | 145,000 | 215,000 | 269,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,125,000 | 6,204,000 | 6,274,000 | 6,328,000 |
| Total capital | 6,408,000 | 6,490,000 | 6,570,000 | 6,618,000 |
| Risk-weighted assets | 22,507,000 | 22,746,000 | 23,619,000 | 23,080,000 |