Call reports 2012
ANDOVER BANK, THE — 2012
What ANDOVER 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 | 331,204,000 | 329,376,000 | 337,874,000 | 324,846,000 |
| Total loans | 149,026,000 | 145,688,000 | 151,348,000 | 148,625,000 |
| Allowance for loan losses | 1,453,000 | 1,532,000 | 1,590,000 | 1,603,000 |
| Securities available for sale | 147,275,000 | 155,803,000 | 152,861,000 | 145,412,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 280,905,000 | 277,480,000 | 286,630,000 | 275,727,000 |
| Interest-bearing deposits | 219,584,000 | 215,473,000 | 220,561,000 | 214,482,000 |
| Noninterest-bearing deposits | 61,321,000 | 62,007,000 | 66,069,000 | 61,245,000 |
| Equity capital | 32,800,000 | 33,520,000 | 35,382,000 | 35,102,000 |
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 | 3,287,000 | 6,447,000 | 9,652,000 | 12,762,000 |
| Interest expense | 499,000 | 975,000 | 1,442,000 | 1,891,000 |
| Net interest income | 2,788,000 | 5,472,000 | 8,210,000 | 10,871,000 |
| Noninterest income | 797,000 | 1,769,000 | 2,543,000 | 3,473,000 |
| Noninterest expense | 2,315,000 | 4,548,000 | 6,782,000 | 9,227,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 500,000 |
| Pretax income | 1,120,000 | 2,682,000 | 3,847,000 | 4,943,000 |
| Income tax | 181,000 | 527,000 | 541,000 | 705,000 |
| Net income | 939,000 | 2,155,000 | 3,306,000 | 4,238,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,679,000 | 30,065,000 | 31,267,000 | 31,275,000 |
| Total capital | 31,132,000 | 31,597,000 | 32,857,000 | 32,878,000 |
| Risk-weighted assets | 154,452,000 | 152,959,000 | 153,257,000 | 152,727,000 |