Call reports 2012
BRAINERD SAVINGS & LOAN FEDERAL ASSOCIATION — 2012
What BRAINERD SAVINGS & LOAN FEDERAL ASSOCIATION 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 | 65,472,000 | 65,825,000 | 65,026,000 | 64,548,000 |
| Total loans | 48,849,000 | 49,155,000 | 47,141,000 | 45,887,000 |
| Allowance for loan losses | 320,000 | 439,000 | 455,000 | 436,000 |
| Securities available for sale | 6,227,000 | 6,009,000 | 7,815,000 | 8,790,000 |
| Securities held to maturity | 1,391,000 | 1,192,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,788,000 | 46,841,000 | 45,895,000 | 46,755,000 |
| Interest-bearing deposits | 42,853,000 | 43,371,000 | 42,507,000 | 43,328,000 |
| Noninterest-bearing deposits | 2,935,000 | 3,470,000 | 3,388,000 | 3,427,000 |
| Equity capital | 5,131,000 | 5,229,000 | 5,449,000 | 5,510,000 |
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 | 709,000 | 1,406,000 | 2,086,000 | 2,759,000 |
| Interest expense | 204,000 | 392,000 | 570,000 | 747,000 |
| Net interest income | 505,000 | 1,014,000 | 1,516,000 | 2,012,000 |
| Noninterest income | 172,000 | 393,000 | 656,000 | 955,000 |
| Noninterest expense | 579,000 | 1,150,000 | 1,771,000 | 2,516,000 |
| Provision for loan losses | 15,000 | 50,000 | 65,000 | 80,000 |
| Pretax income | 84,000 | 208,000 | 355,000 | 424,000 |
| Income tax | 33,000 | 66,000 | 123,000 | 145,000 |
| Net income | 51,000 | 142,000 | 232,000 | 279,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,087,000 | 5,159,000 | 5,249,000 | 5,297,000 |
| Total capital | 5,407,000 | 5,598,000 | 5,704,000 | 5,733,000 |
| Risk-weighted assets | 43,214,000 | 44,516,000 | 42,419,000 | 40,722,000 |