Call reports 2012
SAVINGS INSTITUTE BANK AND TRUST COMPANY — 2012
What SAVINGS INSTITUTE BANK AND TRUST COMPANY 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 | 958,805,000 | 942,614,000 | 935,968,000 | 940,693,000 |
| Total loans | 639,292,000 | 665,298,000 | 679,561,000 | 696,839,000 |
| Allowance for loan losses | 5,378,000 | 5,644,000 | 5,826,000 | 6,387,000 |
| Securities available for sale | 222,996,000 | 196,629,000 | 184,484,000 | 168,146,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 735,713,000 | 724,869,000 | 716,775,000 | 715,967,000 |
| Interest-bearing deposits | 647,539,000 | 631,118,000 | 631,490,000 | 628,859,000 |
| Noninterest-bearing deposits | 88,174,000 | 93,751,000 | 85,285,000 | 87,108,000 |
| Equity capital | 107,355,000 | 108,700,000 | 109,063,000 | 109,948,000 |
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 | 9,172,000 | 18,001,000 | 26,815,000 | 35,632,000 |
| Interest expense | 2,537,000 | 4,915,000 | 7,264,000 | 9,567,000 |
| Net interest income | 6,635,000 | 13,086,000 | 19,551,000 | 26,065,000 |
| Noninterest income | 2,477,000 | 4,542,000 | 6,601,000 | 8,914,000 |
| Noninterest expense | 8,212,000 | 15,654,000 | 23,368,000 | 30,586,000 |
| Provision for loan losses | 484,000 | 916,000 | 2,250,000 | 2,896,000 |
| Pretax income | 621,000 | 1,516,000 | 562,000 | 1,560,000 |
| Income tax | 202,000 | 379,000 | 81,000 | 277,000 |
| Net income | 419,000 | 1,137,000 | 481,000 | 1,283,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 102,657,000 | 103,940,000 | 103,016,000 | 103,547,000 |
| Total capital | 108,497,000 | 110,003,000 | 109,259,000 | 109,751,000 |
| Risk-weighted assets | 489,580,000 | 499,454,000 | 514,052,000 | 512,622,000 |