Call reports 2012
STATE BANK OF SAUNEMIN — 2012
What STATE BANK OF SAUNEMIN 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 | 35,399,000 | 33,072,000 | 34,577,000 | 34,626,000 |
| Total loans | 13,834,000 | 14,275,000 | 13,476,000 | 15,755,000 |
| Allowance for loan losses | 202,000 | 208,000 | 222,000 | 228,000 |
| Securities available for sale | 13,878,000 | 13,714,000 | 14,909,000 | 13,841,000 |
| Securities held to maturity | 405,000 | 405,000 | 406,000 | 306,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,496,000 | 30,060,000 | 31,442,000 | 31,492,000 |
| Interest-bearing deposits | 27,604,000 | 24,895,000 | 25,022,000 | 25,342,000 |
| Noninterest-bearing deposits | 4,892,000 | 5,165,000 | 6,420,000 | 6,150,000 |
| Equity capital | 2,868,000 | 2,976,000 | 3,093,000 | 3,111,000 |
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 | 253,000 | 521,000 | 782,000 | 1,040,000 |
| Interest expense | 51,000 | 92,000 | 132,000 | 170,000 |
| Net interest income | 202,000 | 429,000 | 650,000 | 870,000 |
| Noninterest income | 18,000 | 39,000 | 53,000 | 71,000 |
| Noninterest expense | 164,000 | 321,000 | 495,000 | 671,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 50,000 | 135,000 | 190,000 | 247,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 4,000 |
| Net income | 49,000 | 134,000 | 189,000 | 243,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,721,000 | 2,775,000 | 2,806,000 | 2,859,000 |
| Total capital | 2,923,000 | 2,983,000 | 3,016,000 | 3,087,000 |
| Risk-weighted assets | 16,774,000 | 17,091,000 | 16,825,000 | 18,679,000 |