Call reports 2012
STURDY SAVINGS BANK — 2012
What STURDY 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 | 527,099,000 | 550,523,000 | 576,402,000 | 553,407,000 |
| Total loans | 314,898,000 | 336,841,000 | 336,328,000 | 328,780,000 |
| Allowance for loan losses | 2,833,000 | 3,120,000 | 3,045,000 | 2,505,000 |
| Securities available for sale | 120,794,000 | 123,041,000 | 122,914,000 | 136,133,000 |
| Securities held to maturity | 26,504,000 | 23,262,000 | 27,236,000 | 28,200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 436,283,000 | 444,714,000 | 483,368,000 | 456,523,000 |
| Interest-bearing deposits | 391,720,000 | 392,144,000 | 417,069,000 | 410,449,000 |
| Noninterest-bearing deposits | 44,563,000 | 52,570,000 | 66,299,000 | 46,074,000 |
| Equity capital | 66,234,000 | 66,826,000 | 67,488,000 | 67,893,000 |
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 | 4,779,000 | 9,571,000 | 14,420,000 | 19,239,000 |
| Interest expense | 623,000 | 1,159,000 | 1,679,000 | 2,237,000 |
| Net interest income | 4,156,000 | 8,412,000 | 12,741,000 | 17,002,000 |
| Noninterest income | 602,000 | 1,226,000 | 1,822,000 | 2,303,000 |
| Noninterest expense | 4,068,000 | 8,223,000 | 12,458,000 | 16,834,000 |
| Provision for loan losses | 81,000 | 426,000 | 355,000 | 508,000 |
| Pretax income | 609,000 | 989,000 | 1,750,000 | 2,258,000 |
| Income tax | 116,000 | 143,000 | 318,000 | 386,000 |
| Net income | 493,000 | 846,000 | 1,432,000 | 1,872,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,990,000 | 61,259,000 | 61,664,000 | 61,875,000 |
| Total capital | 63,823,000 | 64,379,000 | 64,709,000 | 64,380,000 |
| Risk-weighted assets | 330,783,000 | 354,723,000 | 353,917,000 | 348,431,000 |