Call reports 2013
TWIN OAKS SAVINGS BANK — 2013
What TWIN OAKS SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 73,532,000 | 71,126,000 | 68,578,000 | 67,878,000 |
| Total loans | 33,141,000 | 32,424,000 | 32,094,000 | 31,890,000 |
| Allowance for loan losses | 1,056,000 | 658,000 | 978,000 | 978,000 |
| Securities available for sale | 30,680,000 | 29,308,000 | 29,244,000 | 29,730,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,465,000 | 57,610,000 | 55,406,000 | 54,056,000 |
| Interest-bearing deposits | 54,108,000 | 53,373,000 | 51,548,000 | 50,079,000 |
| Noninterest-bearing deposits | 4,357,000 | 4,237,000 | 3,858,000 | 3,977,000 |
| Equity capital | 7,185,000 | 6,870,000 | 6,591,000 | 6,710,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 582,000 | 1,113,000 | 1,657,000 | 2,241,000 |
| Interest expense | 168,000 | 325,000 | 478,000 | 629,000 |
| Net interest income | 414,000 | 788,000 | 1,179,000 | 1,612,000 |
| Noninterest income | 68,000 | 134,000 | 185,000 | 248,000 |
| Noninterest expense | 420,000 | 841,000 | 1,239,000 | 1,636,000 |
| Provision for loan losses | 0 | -10,000 | 355,000 | 355,000 |
| Pretax income | 71,000 | 100,000 | -221,000 | -122,000 |
| Income tax | 6,000 | 8,000 | -168,000 | -162,000 |
| Net income | 65,000 | 92,000 | -53,000 | 40,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,849,000 | 6,878,000 | 6,732,000 | 6,825,000 |
| Total capital | 7,241,000 | 7,284,000 | 7,132,000 | 7,220,000 |
| Risk-weighted assets | 32,713,000 | 32,269,000 | 31,648,000 | 31,085,000 |