Call reports 2012
BALBOA THRIFT AND LOAN ASSOCIATION — 2012
What BALBOA THRIFT AND LOAN ASSOCIATION 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 | 201,290,000 | 200,693,000 | 200,981,000 | 203,180,000 |
| Total loans | 185,045,000 | 185,426,000 | 188,342,000 | 187,032,000 |
| Allowance for loan losses | 4,686,000 | 4,383,000 | 4,107,000 | 3,819,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,916,000 | 172,671,000 | 169,320,000 | 173,552,000 |
| Interest-bearing deposits | 172,818,000 | 171,479,000 | 167,867,000 | 171,654,000 |
| Noninterest-bearing deposits | 1,098,000 | 1,192,000 | 1,453,000 | 1,898,000 |
| Equity capital | 26,352,000 | 27,602,000 | 28,730,000 | 28,974,000 |
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 | 5,084,000 | 10,172,000 | 15,238,000 | 20,745,000 |
| Interest expense | 567,000 | 1,131,000 | 1,682,000 | 2,229,000 |
| Net interest income | 4,517,000 | 9,041,000 | 13,556,000 | 18,516,000 |
| Noninterest income | 51,000 | 55,000 | 163,000 | 298,000 |
| Noninterest expense | 2,278,000 | 4,544,000 | 6,877,000 | 9,490,000 |
| Provision for loan losses | 499,000 | 617,000 | 959,000 | 1,320,000 |
| Pretax income | 1,791,000 | 3,935,000 | 5,883,000 | 8,004,000 |
| Income tax | 746,000 | 1,640,000 | 2,460,000 | 3,337,000 |
| Net income | 1,045,000 | 2,295,000 | 3,423,000 | 4,667,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,352,000 | 27,602,000 | 28,730,000 | 28,974,000 |
| Total capital | 28,726,000 | 29,978,000 | 31,134,000 | 31,379,000 |
| Risk-weighted assets | 187,637,000 | 188,401,000 | 190,613,000 | 190,868,000 |
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