Call reports 2011
STURDY SAVINGS BANK — 2011
What STURDY 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 | 508,779,000 | 516,136,000 | 551,245,000 | 542,024,000 |
| Total loans | 312,668,000 | 314,226,000 | 304,337,000 | 309,914,000 |
| Allowance for loan losses | 3,093,000 | 3,288,000 | 2,493,000 | 2,753,000 |
| Securities available for sale | 85,426,000 | 91,705,000 | 100,798,000 | 118,295,000 |
| Securities held to maturity | 35,250,000 | 32,679,000 | 32,115,000 | 28,559,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 420,730,000 | 426,810,000 | 461,152,000 | 452,196,000 |
| Interest-bearing deposits | 378,612,000 | 377,723,000 | 403,854,000 | 408,278,000 |
| Noninterest-bearing deposits | 42,118,000 | 49,087,000 | 57,298,000 | 43,918,000 |
| Equity capital | 64,036,000 | 65,427,000 | 66,084,000 | 65,600,000 |
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 | 5,026,000 | 10,011,000 | 14,960,000 | 19,792,000 |
| Interest expense | 757,000 | 1,500,000 | 2,235,000 | 2,942,000 |
| Net interest income | 4,269,000 | 8,511,000 | 12,725,000 | 16,850,000 |
| Noninterest income | 580,000 | 1,235,000 | 1,881,000 | 2,053,000 |
| Noninterest expense | 3,873,000 | 7,806,000 | 11,709,000 | 16,204,000 |
| Provision for loan losses | 84,000 | 281,000 | 623,000 | 958,000 |
| Pretax income | 892,000 | 1,659,000 | 2,274,000 | 1,741,000 |
| Income tax | 248,000 | 435,000 | 560,000 | 216,000 |
| Net income | 644,000 | 1,224,000 | 1,714,000 | 1,525,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,949,000 | 61,046,000 | 61,944,000 | 60,596,000 |
| Total capital | 63,042,000 | 64,334,000 | 64,437,000 | 63,349,000 |
| Risk-weighted assets | 323,449,000 | 327,140,000 | 319,456,000 | 328,910,000 |