Call reports 2012
STATE BANK OF NIANTIC — 2012
What STATE BANK OF NIANTIC 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 | 59,475,000 | 56,418,000 | 56,583,000 | 56,978,000 |
| Total loans | 28,408,000 | 27,146,000 | 26,068,000 | 25,959,000 |
| Allowance for loan losses | 976,000 | 820,000 | 752,000 | 612,000 |
| Securities available for sale | 15,756,000 | 16,907,000 | 15,240,000 | 17,253,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,754,000 | 47,768,000 | 47,923,000 | 48,364,000 |
| Interest-bearing deposits | 45,780,000 | 43,338,000 | 42,811,000 | 41,727,000 |
| Noninterest-bearing deposits | 4,974,000 | 4,430,000 | 5,112,000 | 6,637,000 |
| Equity capital | 8,521,000 | 8,448,000 | 8,469,000 | 8,413,000 |
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 | 575,000 | 1,117,000 | 1,637,000 | 2,149,000 |
| Interest expense | 117,000 | 221,000 | 320,000 | 409,000 |
| Net interest income | 458,000 | 896,000 | 1,317,000 | 1,740,000 |
| Noninterest income | 97,000 | 196,000 | 302,000 | 397,000 |
| Noninterest expense | 443,000 | 938,000 | 1,359,000 | 1,821,000 |
| Provision for loan losses | 0 | 5,000 | 85,000 | 123,000 |
| Pretax income | 112,000 | 154,000 | 231,000 | 249,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 112,000 | 154,000 | 231,000 | 249,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,220,000 | 8,068,000 | 8,062,000 | 8,077,000 |
| Total capital | 8,639,000 | 8,469,000 | 8,529,000 | 8,531,000 |
| Risk-weighted assets | 32,991,000 | 31,695,000 | 37,143,000 | 35,984,000 |