Call reports 2012
BIPPUS STATE BANK, THE — 2012
What BIPPUS STATE 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 | 123,570,000 | 116,092,000 | 117,568,000 | 120,061,000 |
| Total loans | 80,610,000 | 84,372,000 | 83,326,000 | 85,646,000 |
| Allowance for loan losses | 1,261,000 | 1,264,000 | 1,313,000 | 1,174,000 |
| Securities available for sale | 26,065,000 | 23,318,000 | 22,502,000 | 23,849,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,276,000 | 93,563,000 | 95,922,000 | 99,145,000 |
| Interest-bearing deposits | 90,446,000 | 84,899,000 | 86,463,000 | 88,108,000 |
| Noninterest-bearing deposits | 8,830,000 | 8,665,000 | 9,459,000 | 11,037,000 |
| Equity capital | 12,142,000 | 12,329,000 | 12,418,000 | 12,366,000 |
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 | 1,328,000 | 2,633,000 | 3,930,000 | 5,213,000 |
| Interest expense | 225,000 | 408,000 | 573,000 | 730,000 |
| Net interest income | 1,103,000 | 2,225,000 | 3,357,000 | 4,483,000 |
| Noninterest income | 462,000 | 825,000 | 1,192,000 | 1,777,000 |
| Noninterest expense | 992,000 | 1,962,000 | 3,005,000 | 4,096,000 |
| Provision for loan losses | 99,000 | 99,000 | 162,000 | 165,000 |
| Pretax income | 474,000 | 1,053,000 | 1,600,000 | 2,217,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 474,000 | 1,053,000 | 1,600,000 | 2,217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,653,000 | 11,870,000 | 12,013,000 | 12,142,000 |
| Total capital | 12,752,000 | 13,006,000 | 13,146,000 | 13,306,000 |
| Risk-weighted assets | 87,502,000 | 90,555,000 | 90,045,000 | 92,772,000 |