Call reports 2012
SCOTTSBURG BUILDING AND LOAN ASSOCIATION — 2012
What SCOTTSBURG BUILDING AND LOAN 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 | 88,560,000 | 89,127,000 | 91,368,000 | 89,305,000 |
| Total loans | 42,705,000 | 43,126,000 | 43,934,000 | 43,808,000 |
| Allowance for loan losses | 265,000 | 240,000 | 330,000 | 345,000 |
| Securities available for sale | 35,596,000 | 34,514,000 | 37,705,000 | 36,702,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,601,000 | 67,252,000 | 69,215,000 | 68,574,000 |
| Interest-bearing deposits | 66,493,000 | 67,154,000 | 69,111,000 | 68,479,000 |
| Noninterest-bearing deposits | 108,000 | 98,000 | 104,000 | 95,000 |
| Equity capital | 11,342,000 | 11,409,000 | 11,376,000 | 11,474,000 |
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 | 928,000 | 1,787,000 | 2,627,000 | 3,449,000 |
| Interest expense | 383,000 | 738,000 | 1,094,000 | 1,446,000 |
| Net interest income | 545,000 | 1,049,000 | 1,533,000 | 2,003,000 |
| Noninterest income | 37,000 | 75,000 | 76,000 | -109,000 |
| Noninterest expense | 408,000 | 845,000 | 1,274,000 | 1,726,000 |
| Provision for loan losses | 15,000 | 35,000 | 150,000 | 165,000 |
| Pretax income | 159,000 | 269,000 | 258,000 | 93,000 |
| Income tax | 31,000 | 62,000 | 87,000 | 62,000 |
| Net income | 128,000 | 207,000 | 171,000 | 31,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,901,000 | 11,024,000 | 10,987,000 | 10,760,000 |
| Total capital | 11,166,000 | 11,268,000 | 11,317,000 | 11,105,000 |
| Risk-weighted assets | 39,844,000 | 39,728,000 | 41,516,000 | 40,232,000 |