Call reports 2012
TWIN OAKS SAVINGS BANK — 2012
What TWIN OAKS 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 | 76,478,000 | 75,487,000 | 71,946,000 | 72,169,000 |
| Total loans | 34,501,000 | 34,190,000 | 33,735,000 | 33,551,000 |
| Allowance for loan losses | 867,000 | 891,000 | 966,000 | 1,116,000 |
| Securities available for sale | 32,440,000 | 33,376,000 | 31,657,000 | 30,621,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,811,000 | 60,794,000 | 57,001,000 | 57,031,000 |
| Interest-bearing deposits | 57,057,000 | 57,572,000 | 53,772,000 | 53,217,000 |
| Noninterest-bearing deposits | 3,754,000 | 3,222,000 | 3,229,000 | 3,814,000 |
| Equity capital | 6,905,000 | 7,052,000 | 7,259,000 | 7,232,000 |
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 | 659,000 | 1,332,000 | 1,983,000 | 2,612,000 |
| Interest expense | 210,000 | 412,000 | 598,000 | 777,000 |
| Net interest income | 449,000 | 920,000 | 1,385,000 | 1,835,000 |
| Noninterest income | 61,000 | 133,000 | 227,000 | 346,000 |
| Noninterest expense | 438,000 | 858,000 | 1,269,000 | 1,686,000 |
| Provision for loan losses | 12,000 | 36,000 | 111,000 | 261,000 |
| Pretax income | 60,000 | 159,000 | 238,000 | 281,000 |
| Income tax | -18,000 | -8,000 | 0 | 0 |
| Net income | 78,000 | 167,000 | 238,000 | 281,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,582,000 | 6,671,000 | 6,742,000 | 6,785,000 |
| Total capital | 7,015,000 | 7,098,000 | 7,158,000 | 7,202,000 |
| Risk-weighted assets | 34,234,000 | 33,751,000 | 32,802,000 | 32,726,000 |