Call reports 2012
NEWPORT FEDERAL BANK — 2012
What NEWPORT FEDERAL 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 | 190,295,000 | 191,861,000 | 189,615,000 | 186,722,000 |
| Total loans | 105,149,000 | 103,708,000 | 102,178,000 | 100,356,000 |
| Allowance for loan losses | 1,973,000 | 1,926,000 | 2,128,000 | 2,357,000 |
| Securities available for sale | 63,320,000 | 65,104,000 | 60,468,000 | 68,707,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,066,000 | 173,087,000 | 170,133,000 | 167,300,000 |
| Interest-bearing deposits | 169,220,000 | 170,206,000 | 167,021,000 | 163,895,000 |
| Noninterest-bearing deposits | 2,846,000 | 2,881,000 | 3,112,000 | 3,405,000 |
| Equity capital | 16,368,000 | 16,593,000 | 17,123,000 | 17,457,000 |
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 | 2,067,000 | 4,120,000 | 6,098,000 | 8,014,000 |
| Interest expense | 454,000 | 870,000 | 1,237,000 | 1,564,000 |
| Net interest income | 1,613,000 | 3,250,000 | 4,861,000 | 6,450,000 |
| Noninterest income | 136,000 | 225,000 | 348,000 | 435,000 |
| Noninterest expense | 940,000 | 1,858,000 | 2,803,000 | 3,797,000 |
| Provision for loan losses | 225,000 | 450,000 | 675,000 | 1,000,000 |
| Pretax income | 585,000 | 1,167,000 | 1,732,000 | 2,133,000 |
| Income tax | 211,000 | 421,000 | 626,000 | 635,000 |
| Net income | 374,000 | 746,000 | 1,106,000 | 1,498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,123,000 | 16,115,000 | 16,495,000 | 16,907,000 |
| Total capital | 17,342,000 | 17,188,000 | 17,543,000 | 17,966,000 |
| Risk-weighted assets | 96,766,000 | 85,811,000 | 83,190,000 | 83,405,000 |