Call reports 2009
TWIN OAKS SAVINGS BANK — 2009
What TWIN OAKS SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 64,154,000 | 65,655,000 | 66,976,000 | 71,891,000 |
| Total loans | 39,780,000 | 39,198,000 | 39,733,000 | 40,895,000 |
| Allowance for loan losses | 177,000 | 192,000 | 195,000 | 193,000 |
| Securities available for sale | 17,119,000 | 18,316,000 | 19,557,000 | 21,887,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,315,000 | 51,856,000 | 52,036,000 | 54,724,000 |
| Interest-bearing deposits | 47,375,000 | 49,689,000 | 49,710,000 | 52,321,000 |
| Noninterest-bearing deposits | 2,940,000 | 2,167,000 | 2,326,000 | 2,403,000 |
| Equity capital | 5,848,000 | 5,985,000 | 6,222,000 | 6,310,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 839,000 | 1,651,000 | 2,456,000 | 3,293,000 |
| Interest expense | 345,000 | 689,000 | 1,045,000 | 1,400,000 |
| Net interest income | 494,000 | 962,000 | 1,411,000 | 1,893,000 |
| Noninterest income | 115,000 | 223,000 | 295,000 | 370,000 |
| Noninterest expense | 456,000 | 884,000 | 1,320,000 | 1,733,000 |
| Provision for loan losses | 10,000 | 25,000 | 30,000 | 45,000 |
| Pretax income | 145,000 | 281,000 | 361,000 | 497,000 |
| Income tax | 40,000 | 77,000 | 92,000 | 128,000 |
| Net income | 105,000 | 204,000 | 269,000 | 369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,732,000 | 5,830,000 | 5,895,000 | 5,996,000 |
| Total capital | 5,909,000 | 6,022,000 | 6,090,000 | 6,189,000 |
| Risk-weighted assets | 34,186,000 | 34,671,000 | 35,116,000 | 36,935,000 |
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