Call reports 2010
TWIN OAKS SAVINGS BANK — 2010
What TWIN OAKS SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 75,958,000 | 76,353,000 | 74,789,000 | 73,627,000 |
| Total loans | 40,783,000 | 39,444,000 | 38,614,000 | 37,504,000 |
| Allowance for loan losses | 229,000 | 239,000 | 260,000 | 300,000 |
| Securities available for sale | 20,871,000 | 25,237,000 | 25,439,000 | 25,681,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,757,000 | 60,217,000 | 59,264,000 | 58,415,000 |
| Interest-bearing deposits | 56,205,000 | 57,264,000 | 56,623,000 | 55,125,000 |
| Noninterest-bearing deposits | 3,552,000 | 2,953,000 | 2,641,000 | 3,290,000 |
| Equity capital | 6,441,000 | 6,476,000 | 6,650,000 | 6,533,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 826,000 | 1,592,000 | 2,399,000 | 3,170,000 |
| Interest expense | 327,000 | 652,000 | 962,000 | 1,254,000 |
| Net interest income | 499,000 | 940,000 | 1,437,000 | 1,916,000 |
| Noninterest income | 44,000 | 110,000 | 232,000 | 326,000 |
| Noninterest expense | 451,000 | 878,000 | 1,308,000 | 1,733,000 |
| Provision for loan losses | 0 | 9,000 | 30,000 | 69,000 |
| Pretax income | 128,000 | 243,000 | 411,000 | 554,000 |
| Income tax | 32,000 | 56,000 | 101,000 | 134,000 |
| Net income | 96,000 | 187,000 | 310,000 | 420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,092,000 | 6,183,000 | 6,305,000 | 6,413,000 |
| Total capital | 6,321,000 | 6,422,000 | 6,565,000 | 6,713,000 |
| Risk-weighted assets | 38,045,000 | 36,946,000 | 36,578,000 | 36,314,000 |
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