Call reports 2012
SPRATT SAVINGS BANK — 2012
What SPRATT 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 | 99,977,000 | 99,340,000 | 101,293,000 | 102,361,000 |
| Total loans | 29,245,000 | 27,928,000 | 26,456,000 | 27,209,000 |
| Allowance for loan losses | 1,219,000 | 1,209,000 | 1,204,000 | 1,207,000 |
| Securities available for sale | 12,467,000 | 16,121,000 | 20,667,000 | 21,386,000 |
| Securities held to maturity | 29,769,000 | 29,161,000 | 29,962,000 | 28,695,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,327,000 | 72,565,000 | 74,364,000 | 75,414,000 |
| Interest-bearing deposits | 68,052,000 | 67,109,000 | 68,691,000 | 69,192,000 |
| Noninterest-bearing deposits | 5,275,000 | 5,456,000 | 5,673,000 | 6,222,000 |
| Equity capital | 26,475,000 | 26,601,000 | 26,700,000 | 26,738,000 |
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 | 766,000 | 1,479,000 | 2,173,000 | 2,851,000 |
| Interest expense | 162,000 | 324,000 | 479,000 | 630,000 |
| Net interest income | 604,000 | 1,155,000 | 1,694,000 | 2,221,000 |
| Noninterest income | 75,000 | 160,000 | 240,000 | 319,000 |
| Noninterest expense | 524,000 | 1,056,000 | 1,581,000 | 2,116,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 159,000 | 263,000 | 357,000 | 428,000 |
| Income tax | 49,000 | 72,000 | 88,000 | 99,000 |
| Net income | 110,000 | 191,000 | 269,000 | 329,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,480,000 | 26,546,000 | 26,624,000 | 26,684,000 |
| Total capital | 26,945,000 | 27,010,000 | 27,065,000 | 27,146,000 |
| Risk-weighted assets | 35,681,000 | 36,379,000 | 34,518,000 | 36,196,000 |
Machine access — free, no API key
Every figure shown here about SPRATT SAVINGS BANK — 2012 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.