Call reports 2012
SAVINGS BANK, THE — 2012
What SAVINGS BANK, THE 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 | 292,163,000 | 294,387,000 | 295,299,000 | 298,512,000 |
| Total loans | 155,514,000 | 165,337,000 | 167,811,000 | 175,571,000 |
| Allowance for loan losses | 1,821,000 | 1,761,000 | 1,812,000 | 1,810,000 |
| Securities available for sale | 113,841,000 | 109,297,000 | 105,587,000 | 101,894,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,485,000 | 253,902,000 | 254,107,000 | 257,389,000 |
| Interest-bearing deposits | 214,614,000 | 215,323,000 | 215,903,000 | 214,908,000 |
| Noninterest-bearing deposits | 36,871,000 | 38,579,000 | 38,204,000 | 42,481,000 |
| Equity capital | 34,507,000 | 34,252,000 | 34,962,000 | 35,202,000 |
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 | 2,808,000 | 5,747,000 | 8,676,000 | 11,616,000 |
| Interest expense | 410,000 | 802,000 | 1,197,000 | 1,565,000 |
| Net interest income | 2,398,000 | 4,945,000 | 7,479,000 | 10,051,000 |
| Noninterest income | 334,000 | 670,000 | 974,000 | 1,363,000 |
| Noninterest expense | 1,959,000 | 3,856,000 | 5,767,000 | 7,678,000 |
| Provision for loan losses | 75,000 | 235,000 | 345,000 | 495,000 |
| Pretax income | 698,000 | 1,546,000 | 2,363,000 | 3,263,000 |
| Income tax | 157,000 | 311,000 | 456,000 | 636,000 |
| Net income | 541,000 | 1,235,000 | 1,907,000 | 2,627,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,500,000 | 32,062,000 | 32,644,000 | 33,234,000 |
| Total capital | 34,317,000 | 33,823,000 | 34,456,000 | 35,044,000 |
| Risk-weighted assets | 145,367,000 | 153,172,000 | 153,835,000 | 158,662,000 |
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