Call reports 2012
MIAMI SAVINGS BANK — 2012
What MIAMI 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 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 113,347,000 | 112,441,000 | 115,125,000 | 116,746,000 |
| Total loans | 83,823,000 | 84,006,000 | 84,061,000 | 82,551,000 |
| Allowance for loan losses | 901,000 | 878,000 | 989,000 | 1,144,000 |
| Securities available for sale | 3,510,000 | 3,532,000 | 3,557,000 | 3,562,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,922,000 | 97,792,000 | 100,220,000 | 101,794,000 |
| Interest-bearing deposits | 90,969,000 | 90,117,000 | 90,938,000 | 91,340,000 |
| Noninterest-bearing deposits | 7,953,000 | 7,675,000 | 9,282,000 | 10,454,000 |
| Equity capital | 13,920,000 | 14,078,000 | 14,219,000 | 14,371,000 |
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 | 1,109,000 | 2,165,000 | 3,201,000 | 4,234,000 |
| Interest expense | 292,000 | 550,000 | 799,000 | 1,031,000 |
| Net interest income | 817,000 | 1,615,000 | 2,402,000 | 3,203,000 |
| Noninterest income | 95,000 | 285,000 | 470,000 | 748,000 |
| Noninterest expense | 647,000 | 1,329,000 | 1,987,000 | 2,666,000 |
| Provision for loan losses | 70,000 | 160,000 | 285,000 | 440,000 |
| Pretax income | 195,000 | 411,000 | 600,000 | 845,000 |
| Income tax | 56,000 | 120,000 | 174,000 | 247,000 |
| Net income | 139,000 | 291,000 | 426,000 | 598,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,761,000 | 13,891,000 | 14,196,000 | 14,224,000 |
| Total capital | 14,638,000 | 14,748,000 | 15,072,000 | 15,092,000 |
| Risk-weighted assets | 70,164,000 | 68,376,000 | 77,054,000 | 69,854,000 |