Call reports 2012
1ST BANK OF SEA ISLE CITY — 2012
What 1ST BANK OF SEA ISLE CITY 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 | 234,775,000 | 240,203,000 | 245,279,000 | 238,842,000 |
| Total loans | 195,225,000 | 190,353,000 | 188,953,000 | 187,931,000 |
| Allowance for loan losses | 1,881,000 | 1,998,000 | 1,937,000 | 1,843,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 9,723,000 | 8,676,000 | 6,175,000 | 4,234,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,821,000 | 216,569,000 | 220,774,000 | 213,554,000 |
| Interest-bearing deposits | 190,793,000 | 190,500,000 | 198,309,000 | 192,952,000 |
| Noninterest-bearing deposits | 21,028,000 | 26,069,000 | 22,465,000 | 20,602,000 |
| Equity capital | 19,824,000 | 20,204,000 | 20,611,000 | 21,103,000 |
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 | 2,551,000 | 5,115,000 | 7,598,000 | 10,020,000 |
| Interest expense | 520,000 | 997,000 | 1,414,000 | 1,809,000 |
| Net interest income | 2,031,000 | 4,118,000 | 6,184,000 | 8,211,000 |
| Noninterest income | 105,000 | 215,000 | 330,000 | 443,000 |
| Noninterest expense | 1,434,000 | 2,909,000 | 4,435,000 | 5,869,000 |
| Provision for loan losses | 262,000 | 379,000 | 379,000 | 285,000 |
| Pretax income | 440,000 | 1,045,000 | 1,700,000 | 2,500,000 |
| Income tax | 158,000 | 383,000 | 631,000 | 939,000 |
| Net income | 282,000 | 662,000 | 1,069,000 | 1,561,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,824,000 | 20,204,000 | 20,611,000 | 21,103,000 |
| Total capital | 21,705,000 | 22,202,000 | 22,548,000 | 22,946,000 |
| Risk-weighted assets | 159,636,000 | 157,633,000 | 159,156,000 | 161,125,000 |