Call reports 2012
BUSINESS BANK, THE — 2012
What BUSINESS BANK, THE 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 | 282,123,000 | 274,385,000 | 283,306,000 | 295,051,000 |
| Total loans | 206,299,000 | 197,291,000 | 189,413,000 | 179,097,000 |
| Allowance for loan losses | 4,537,000 | 4,825,000 | 5,426,000 | 5,850,000 |
| Securities available for sale | 33,648,000 | 37,630,000 | 40,744,000 | 41,037,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 248,136,000 | 240,353,000 | 249,283,000 | 261,419,000 |
| Interest-bearing deposits | 218,909,000 | 216,167,000 | 217,154,000 | 230,273,000 |
| Noninterest-bearing deposits | 29,227,000 | 24,186,000 | 32,129,000 | 31,146,000 |
| Equity capital | 31,755,000 | 31,723,000 | 31,624,000 | 31,619,000 |
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 | 2,932,000 | 5,747,000 | 8,357,000 | 10,899,000 |
| Interest expense | 1,046,000 | 1,943,000 | 2,773,000 | 3,556,000 |
| Net interest income | 1,886,000 | 3,804,000 | 5,584,000 | 7,343,000 |
| Noninterest income | -45,000 | -132,000 | -220,000 | -404,000 |
| Noninterest expense | 1,211,000 | 2,430,000 | 3,671,000 | 4,718,000 |
| Provision for loan losses | 600,000 | 1,200,000 | 1,800,000 | 2,200,000 |
| Pretax income | 30,000 | 42,000 | -107,000 | 85,000 |
| Income tax | -4,000 | -15,000 | -88,000 | -29,000 |
| Net income | 34,000 | 57,000 | -19,000 | 114,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,196,000 | 31,219,000 | 31,144,000 | 31,277,000 |
| Total capital | 33,943,000 | 33,866,000 | 33,676,000 | 33,741,000 |
| Risk-weighted assets | 218,841,000 | 210,607,000 | 202,299,000 | 195,533,000 |