Call reports 2011
TWIN OAKS SAVINGS BANK — 2011
What TWIN OAKS SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 77,226,000 | 75,086,000 | 74,380,000 | 71,998,000 |
| Total loans | 36,921,000 | 36,624,000 | 35,132,000 | 34,150,000 |
| Allowance for loan losses | 303,000 | 689,000 | 571,000 | 854,000 |
| Securities available for sale | 28,322,000 | 27,356,000 | 28,368,000 | 28,014,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,757,000 | 60,843,000 | 59,911,000 | 57,609,000 |
| Interest-bearing deposits | 59,365,000 | 57,476,000 | 56,402,000 | 54,332,000 |
| Noninterest-bearing deposits | 3,392,000 | 3,367,000 | 3,509,000 | 3,277,000 |
| Equity capital | 6,714,000 | 6,676,000 | 6,880,000 | 6,785,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 745,000 | 1,495,000 | 2,180,000 | 2,865,000 |
| Interest expense | 270,000 | 521,000 | 760,000 | 979,000 |
| Net interest income | 475,000 | 974,000 | 1,420,000 | 1,886,000 |
| Noninterest income | 75,000 | 134,000 | 204,000 | 299,000 |
| Noninterest expense | 480,000 | 923,000 | 1,358,000 | 1,782,000 |
| Provision for loan losses | 18,000 | 393,000 | 453,000 | 723,000 |
| Pretax income | 94,000 | 191,000 | 263,000 | 130,000 |
| Income tax | 15,000 | 28,000 | 35,000 | 40,000 |
| Net income | 79,000 | 163,000 | 228,000 | 90,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,493,000 | 6,577,000 | 6,642,000 | 6,504,000 |
| Total capital | 6,796,000 | 7,026,000 | 7,072,000 | 6,927,000 |
| Risk-weighted assets | 36,375,000 | 35,726,000 | 34,317,000 | 33,463,000 |