Call reports 2012
SEVERN SAVINGS BANK, FSB DBA SEVERN BANK — 2012
What SEVERN SAVINGS BANK, FSB DBA SEVERN 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 | 895,371,000 | 891,475,000 | 855,319,000 | 845,847,000 |
| Total loans | 696,523,000 | 681,664,000 | 684,574,000 | 676,611,000 |
| Allowance for loan losses | 18,530,000 | 16,832,000 | 15,915,000 | 16,556,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 40,348,000 | 37,293,000 | 36,240,000 | 34,065,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 655,633,000 | 649,882,000 | 612,071,000 | 603,229,000 |
| Interest-bearing deposits | 624,071,000 | 619,537,000 | 581,644,000 | 572,942,000 |
| Noninterest-bearing deposits | 31,562,000 | 30,345,000 | 30,427,000 | 30,287,000 |
| Equity capital | 122,790,000 | 124,037,000 | 124,693,000 | 126,383,000 |
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 | 10,227,000 | 20,463,000 | 29,525,000 | 38,897,000 |
| Interest expense | 3,347,000 | 6,483,000 | 9,299,000 | 11,684,000 |
| Net interest income | 6,880,000 | 13,980,000 | 20,226,000 | 27,213,000 |
| Noninterest income | 1,566,000 | 3,182,000 | 4,366,000 | 3,292,000 |
| Noninterest expense | 6,888,000 | 13,517,000 | 19,818,000 | 23,213,000 |
| Provision for loan losses | 465,000 | 465,000 | 465,000 | 765,000 |
| Pretax income | 1,093,000 | 3,180,000 | 4,309,000 | 6,527,000 |
| Income tax | 444,000 | 1,284,000 | 1,757,000 | 2,286,000 |
| Net income | 649,000 | 1,896,000 | 2,552,000 | 4,241,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 116,219,000 | 117,955,000 | 119,552,000 | 121,905,000 |
| Total capital | 124,431,000 | 126,056,000 | 127,585,000 | 129,661,000 |
| Risk-weighted assets | 646,669,000 | 639,350,000 | 639,266,000 | 627,581,000 |
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