Call reports 2012
R BANK — 2012
What R 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 | 135,893,000 | 152,111,000 | 159,533,000 | 165,281,000 |
| Total loans | 71,988,000 | 75,976,000 | 81,709,000 | 93,517,000 |
| Allowance for loan losses | 833,000 | 923,000 | 1,013,000 | 1,103,000 |
| Securities available for sale | 36,192,000 | 41,969,000 | 44,954,000 | 44,606,000 |
| Securities held to maturity | 0 | 1,139,000 | 1,133,000 | 1,127,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,849,000 | 133,114,000 | 140,222,000 | 146,007,000 |
| Interest-bearing deposits | 110,672,000 | 125,584,000 | 130,871,000 | 136,363,000 |
| Noninterest-bearing deposits | 6,177,000 | 7,530,000 | 9,351,000 | 9,644,000 |
| Equity capital | 18,846,000 | 18,804,000 | 19,088,000 | 19,133,000 |
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 | 1,348,000 | 2,735,000 | 4,172,000 | 5,727,000 |
| Interest expense | 382,000 | 780,000 | 1,197,000 | 1,584,000 |
| Net interest income | 966,000 | 1,955,000 | 2,975,000 | 4,143,000 |
| Noninterest income | 70,000 | 157,000 | 291,000 | 442,000 |
| Noninterest expense | 718,000 | 1,565,000 | 2,525,000 | 3,643,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 251,000 | 410,000 | 581,000 | 741,000 |
| Income tax | 85,000 | 140,000 | 197,000 | 188,000 |
| Net income | 166,000 | 270,000 | 384,000 | 553,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,514,000 | 18,266,000 | 18,379,000 | 18,616,000 |
| Total capital | 19,347,000 | 19,189,000 | 19,392,000 | 19,719,000 |
| Risk-weighted assets | 83,294,000 | 91,069,000 | 98,679,000 | 107,401,000 |