Call reports 2012
22ND STATE BANKING COMPANY — 2012
What 22ND STATE BANKING COMPANY 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 | 178,708,000 | 164,531,000 | 168,013,000 | 156,142,000 |
| Total loans | 122,929,000 | 118,420,000 | 108,838,000 | 105,446,000 |
| Allowance for loan losses | 5,871,000 | 5,256,000 | 3,160,000 | 3,773,000 |
| Securities available for sale | 19,013,000 | 16,403,000 | 14,927,000 | 17,578,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,868,000 | 156,063,000 | 152,639,000 | 143,089,000 |
| Interest-bearing deposits | 157,487,000 | 145,034,000 | 140,651,000 | 130,075,000 |
| Noninterest-bearing deposits | 12,381,000 | 11,029,000 | 11,988,000 | 13,014,000 |
| Equity capital | 3,369,000 | 3,026,000 | 14,962,000 | 12,744,000 |
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 | 2,102,000 | 3,901,000 | 5,812,000 | 7,619,000 |
| Interest expense | 630,000 | 1,171,000 | 1,723,000 | 2,129,000 |
| Net interest income | 1,472,000 | 2,730,000 | 4,089,000 | 5,490,000 |
| Noninterest income | 69,000 | 189,000 | 260,000 | -289,000 |
| Noninterest expense | 1,811,000 | 3,094,000 | 4,455,000 | 5,747,000 |
| Provision for loan losses | 5,055,000 | 5,655,000 | 5,655,000 | 7,200,000 |
| Pretax income | -5,236,000 | -5,715,000 | -5,592,000 | -7,591,000 |
| Income tax | 440,000 | 440,000 | 406,000 | 472,000 |
| Net income | -5,676,000 | -6,155,000 | -5,998,000 | -8,063,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,210,000 | 2,732,000 | 14,639,000 | 12,573,000 |
| Total capital | 4,819,000 | 4,254,000 | 16,099,000 | 13,988,000 |
| Risk-weighted assets | 124,450,000 | 118,058,000 | 115,110,000 | 110,814,000 |