Call reports 2012
CARVER FEDERAL SAVINGS BANK — 2012
What CARVER FEDERAL 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 | 640,600,000 | 644,569,000 | 638,030,000 | 640,482,000 |
| Total loans | 442,484,000 | 420,063,000 | 406,780,000 | 383,444,000 |
| Allowance for loan losses | 19,821,000 | 18,607,000 | 16,408,000 | 14,483,000 |
| Securities available for sale | 84,576,000 | 90,303,000 | 113,931,000 | 109,201,000 |
| Securities held to maturity | 11,055,000 | 10,377,000 | 10,015,000 | 9,544,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 540,565,000 | 521,394,000 | 513,479,000 | 509,399,000 |
| Interest-bearing deposits | 468,430,000 | 454,983,000 | 450,079,000 | 443,025,000 |
| Noninterest-bearing deposits | 72,135,000 | 66,411,000 | 63,400,000 | 66,374,000 |
| Equity capital | 63,182,000 | 62,489,000 | 63,452,000 | 64,765,000 |
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 | 6,540,000 | 12,880,000 | 19,191,000 | 25,284,000 |
| Interest expense | 2,355,000 | 3,559,000 | 4,699,000 | 5,798,000 |
| Net interest income | 4,185,000 | 9,321,000 | 14,492,000 | 19,486,000 |
| Noninterest income | 975,000 | 1,719,000 | 3,959,000 | 6,269,000 |
| Noninterest expense | 7,305,000 | 13,609,000 | 20,354,000 | 27,385,000 |
| Provision for loan losses | 4,052,000 | 4,276,000 | 4,838,000 | 4,438,000 |
| Pretax income | -6,197,000 | -6,845,000 | -6,741,000 | -6,008,000 |
| Income tax | -30,000 | 129,000 | 166,000 | 234,000 |
| Net income | -6,167,000 | -6,974,000 | -6,907,000 | -6,242,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,947,000 | 62,672,000 | 63,246,000 | 64,428,000 |
| Total capital | 73,552,000 | 73,015,000 | 73,467,000 | 74,410,000 |
| Risk-weighted assets | 434,192,000 | 414,168,000 | 406,120,000 | 388,974,000 |
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