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 | 321,821,000 | 321,019,000 | 339,924,000 | 328,234,000 |
| Total loans | 212,433,000 | 217,152,000 | 212,453,000 | 222,821,000 |
| Allowance for loan losses | 3,389,000 | 3,539,000 | 3,349,000 | 3,399,000 |
| Securities available for sale | 24,730,000 | 23,223,000 | 20,986,000 | 21,885,000 |
| Securities held to maturity | 1,657,000 | 1,657,000 | 1,657,000 | 1,657,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 291,446,000 | 290,602,000 | 309,356,000 | 296,784,000 |
| Interest-bearing deposits | 217,679,000 | 219,625,000 | 234,017,000 | 217,479,000 |
| Noninterest-bearing deposits | 73,767,000 | 70,977,000 | 75,339,000 | 79,305,000 |
| Equity capital | 29,265,000 | 29,390,000 | 29,558,000 | 29,721,000 |
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 | 3,380,000 | 6,659,000 | 9,900,000 | 13,086,000 |
| Interest expense | 680,000 | 1,340,000 | 1,977,000 | 2,554,000 |
| Net interest income | 2,700,000 | 5,319,000 | 7,923,000 | 10,532,000 |
| Noninterest income | 211,000 | 370,000 | 519,000 | 822,000 |
| Noninterest expense | 2,307,000 | 4,588,000 | 6,876,000 | 9,419,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 500,000 |
| Pretax income | 454,000 | 801,000 | 1,132,000 | 1,451,000 |
| Income tax | 147,000 | 258,000 | 365,000 | 470,000 |
| Net income | 307,000 | 543,000 | 767,000 | 981,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,168,000 | 29,314,000 | 29,505,000 | 29,686,000 |
| Total capital | 31,918,000 | 32,120,000 | 32,263,000 | 32,569,000 |
| Risk-weighted assets | 219,085,000 | 223,728,000 | 220,023,000 | 230,320,000 |