Call reports 2011
SAVOY BANK — 2011
What SAVOY 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 | 78,907,000 | 81,515,000 | 85,749,000 | 78,934,000 |
| Total loans | 57,606,000 | 58,009,000 | 56,876,000 | 55,920,000 |
| Allowance for loan losses | 2,357,000 | 2,399,000 | 2,436,000 | 2,637,000 |
| Securities available for sale | 6,789,000 | 10,058,000 | 9,047,000 | 8,544,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,916,000 | 71,665,000 | 76,121,000 | 69,765,000 |
| Interest-bearing deposits | 55,464,000 | 56,803,000 | 58,600,000 | 55,644,000 |
| Noninterest-bearing deposits | 13,452,000 | 14,862,000 | 17,522,000 | 14,121,000 |
| Equity capital | 9,039,000 | 8,820,000 | 8,617,000 | 8,100,000 |
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 | 1,078,000 | 1,969,000 | 2,921,000 | 3,841,000 |
| Interest expense | 189,000 | 370,000 | 551,000 | 731,000 |
| Net interest income | 889,000 | 1,599,000 | 2,370,000 | 3,110,000 |
| Noninterest income | 18,000 | 36,000 | 63,000 | 91,000 |
| Noninterest expense | 1,078,000 | 2,144,000 | 3,129,000 | 4,110,000 |
| Provision for loan losses | 237,000 | 276,000 | 313,000 | 551,000 |
| Pretax income | -408,000 | -785,000 | -1,009,000 | -1,460,000 |
| Income tax | 4,000 | 10,000 | 16,000 | 23,000 |
| Net income | -412,000 | -795,000 | -1,025,000 | -1,483,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,912,000 | 8,530,000 | 8,300,000 | 7,842,000 |
| Total capital | 9,683,000 | 9,287,000 | 9,076,000 | 8,602,000 |
| Risk-weighted assets | 60,104,000 | 60,638,000 | 60,421,000 | 58,807,000 |
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