Call reports 2011
ARMOR BANK — 2011
What ARMOR BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 52,725,000 | 51,291,000 | 51,603,000 | 52,102,000 |
| Total loans | 29,380,000 | 29,616,000 | 29,005,000 | 28,719,000 |
| Allowance for loan losses | 375,000 | 367,000 | 443,000 | 376,000 |
| Securities available for sale | 13,300,000 | 12,566,000 | 11,867,000 | 15,241,000 |
| Securities held to maturity | 754,000 | 455,000 | 434,000 | 421,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,044,000 | 46,286,000 | 46,615,000 | 47,401,000 |
| Interest-bearing deposits | 42,221,000 | 40,788,000 | 40,639,000 | 41,572,000 |
| Noninterest-bearing deposits | 5,823,000 | 5,498,000 | 5,976,000 | 5,829,000 |
| Equity capital | 4,464,000 | 4,817,000 | 4,779,000 | 4,530,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 589,000 | 1,152,000 | 1,700,000 | 2,234,000 |
| Interest expense | 138,000 | 264,000 | 380,000 | 489,000 |
| Net interest income | 451,000 | 888,000 | 1,320,000 | 1,745,000 |
| Noninterest income | 70,000 | 101,000 | 204,000 | 280,000 |
| Noninterest expense | 482,000 | 997,000 | 1,564,000 | 2,069,000 |
| Provision for loan losses | 0 | 0 | 85,000 | 140,000 |
| Pretax income | 21,000 | -54,000 | -201,000 | -286,000 |
| Income tax | 4,000 | -16,000 | -75,000 | -124,000 |
| Net income | 17,000 | -38,000 | -126,000 | -162,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,777,000 | 5,701,000 | 5,554,000 | 5,467,000 |
| Total capital | 6,152,000 | 6,068,000 | 5,953,000 | 5,843,000 |
| Risk-weighted assets | 39,168,000 | 38,784,000 | 36,250,000 | 37,540,000 |