Call reports 2012
HULL FEDERAL SAVINGS BANK — 2012
What HULL FEDERAL SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 |
|---|---|---|---|
| Total assets | 24,902,000 | 25,227,000 | 24,653,000 |
| Total loans | 19,717,000 | 19,420,000 | 18,867,000 |
| Allowance for loan losses | 624,000 | 435,000 | 459,000 |
| Securities available for sale | 0 | 0 | 0 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 22,803,000 | 22,705,000 | 22,223,000 |
| Interest-bearing deposits | 22,758,000 | 22,630,000 | 22,193,000 |
| Noninterest-bearing deposits | 45,000 | 75,000 | 30,000 |
| Equity capital | 2,085,000 | 2,507,000 | 2,422,000 |
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 |
|---|---|---|---|
| Interest income | 328,000 | 622,000 | 905,000 |
| Interest expense | 55,000 | 109,000 | 163,000 |
| Net interest income | 273,000 | 513,000 | 742,000 |
| Noninterest income | 4,000 | 11,000 | 13,000 |
| Noninterest expense | 150,000 | 263,000 | 423,000 |
| Provision for loan losses | -84,000 | -266,000 | -74,000 |
| Pretax income | 211,000 | 527,000 | 406,000 |
| Income tax | 109,000 | 3,000 | -33,000 |
| Net income | 102,000 | 524,000 | 439,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 |
|---|---|---|---|
| Tier 1 capital | 2,085,000 | 2,507,000 | 2,422,000 |
| Total capital | 2,250,000 | 2,669,000 | 2,584,000 |
| Risk-weighted assets | 12,775,000 | 12,685,000 | 12,673,000 |