Call reports 2012
COLLEGE SAVINGS BANK — 2012
What COLLEGE 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 | 556,373,000 | 558,153,000 | 515,649,000 | 503,353,000 |
| Total loans | 207,829,000 | 203,903,000 | 205,504,000 | 216,211,000 |
| Allowance for loan losses | 61,000 | 57,000 | 52,000 | 71,000 |
| Securities available for sale | 329,092,000 | 309,733,000 | 296,534,000 | 273,035,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 342,419,000 | 398,177,000 | 414,536,000 | 394,678,000 |
| Interest-bearing deposits | 342,419,000 | 398,177,000 | 414,536,000 | 394,678,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 44,157,000 | 45,101,000 | 46,488,000 | 45,769,000 |
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 | 3,531,000 | 6,798,000 | 9,952,000 | 13,067,000 |
| Interest expense | 2,156,000 | 4,316,000 | 6,201,000 | 7,892,000 |
| Net interest income | 1,375,000 | 2,482,000 | 3,751,000 | 5,175,000 |
| Noninterest income | 80,000 | 159,000 | 259,000 | 333,000 |
| Noninterest expense | 1,467,000 | 2,839,000 | 4,112,000 | 5,502,000 |
| Provision for loan losses | 4,000 | 8,000 | 30,000 | 56,000 |
| Pretax income | -16,000 | -206,000 | -132,000 | 355,000 |
| Income tax | -4,000 | -70,000 | -45,000 | 115,000 |
| Net income | -12,000 | -136,000 | -87,000 | 240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,843,000 | 38,716,000 | 38,762,000 | 39,072,000 |
| Total capital | 38,904,000 | 38,773,000 | 38,814,000 | 39,143,000 |
| Risk-weighted assets | 195,785,000 | 188,015,000 | 175,503,000 | 172,814,000 |
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