Call reports 2012
SAVOY BANK — 2012
What SAVOY 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 | 79,971,000 | 79,973,000 | 80,635,000 | 85,588,000 |
| Total loans | 55,009,000 | 53,935,000 | 54,916,000 | 59,615,000 |
| Allowance for loan losses | 2,709,000 | 2,709,000 | 2,306,000 | 2,186,000 |
| Securities available for sale | 8,072,000 | 6,132,000 | 7,682,000 | 7,706,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,286,000 | 69,724,000 | 70,538,000 | 75,289,000 |
| Interest-bearing deposits | 54,742,000 | 55,872,000 | 55,155,000 | 56,020,000 |
| Noninterest-bearing deposits | 16,545,000 | 13,852,000 | 15,382,000 | 19,269,000 |
| Equity capital | 7,779,000 | 9,224,000 | 9,188,000 | 9,172,000 |
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 | 879,000 | 1,802,000 | 2,701,000 | 3,643,000 |
| Interest expense | 154,000 | 284,000 | 417,000 | 547,000 |
| Net interest income | 725,000 | 1,518,000 | 2,284,000 | 3,096,000 |
| Noninterest income | 30,000 | 58,000 | 86,000 | 114,000 |
| Noninterest expense | 1,021,000 | 2,020,000 | 2,990,000 | 4,068,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | 60,000 |
| Pretax income | -276,000 | -454,000 | -630,000 | -918,000 |
| Income tax | 6,000 | 12,000 | 18,000 | 24,000 |
| Net income | -282,000 | -466,000 | -648,000 | -942,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,560,000 | 9,023,000 | 8,991,000 | 8,989,000 |
| Total capital | 8,295,000 | 9,756,000 | 9,732,000 | 9,799,000 |
| Risk-weighted assets | 58,269,000 | 56,626,000 | 57,663,000 | 63,354,000 |
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