Call reports 2012
CHEVIOT SAVINGS BANK — 2012
What CHEVIOT 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 | 639,625,000 | 634,426,000 | 633,630,000 | 629,148,000 |
| Total loans | 374,016,000 | 362,018,000 | 344,758,000 | 341,396,000 |
| Allowance for loan losses | 1,445,000 | 1,596,000 | 2,001,000 | 2,161,000 |
| Securities available for sale | 162,630,000 | 176,753,000 | 197,425,000 | 201,992,000 |
| Securities held to maturity | 4,031,000 | 3,886,000 | 3,730,000 | 3,581,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 517,641,000 | 512,504,000 | 511,551,000 | 507,843,000 |
| Interest-bearing deposits | 496,807,000 | 493,003,000 | 488,397,000 | 482,940,000 |
| Noninterest-bearing deposits | 20,834,000 | 19,501,000 | 23,154,000 | 24,903,000 |
| Equity capital | 87,348,000 | 89,439,000 | 90,105,000 | 88,344,000 |
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 | 5,556,000 | 11,029,000 | 16,397,000 | 21,689,000 |
| Interest expense | 1,526,000 | 2,975,000 | 4,341,000 | 5,616,000 |
| Net interest income | 4,030,000 | 8,054,000 | 12,056,000 | 16,073,000 |
| Noninterest income | 879,000 | 2,058,000 | 3,160,000 | 4,077,000 |
| Noninterest expense | 3,460,000 | 6,848,000 | 10,639,000 | 13,904,000 |
| Provision for loan losses | 150,000 | 400,000 | 990,000 | 1,280,000 |
| Pretax income | 1,299,000 | 2,864,000 | 3,587,000 | 4,966,000 |
| Income tax | 396,000 | 723,000 | 927,000 | 1,352,000 |
| Net income | 903,000 | 2,141,000 | 2,660,000 | 3,614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,286,000 | 77,606,000 | 78,172,000 | 76,561,000 |
| Total capital | 77,731,000 | 79,202,000 | 80,173,000 | 78,722,000 |
| Risk-weighted assets | 325,158,000 | 321,381,000 | 314,636,000 | 316,752,000 |