Call reports 2012
COMMUNITY DEVELOPMENT BANK FSB — 2012
What COMMUNITY DEVELOPMENT BANK FSB 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 | 70,619,000 | 70,263,000 | 71,237,000 | 73,265,000 |
| Total loans | 40,408,000 | 44,414,000 | 42,198,000 | 44,670,000 |
| Allowance for loan losses | 363,000 | 408,000 | 451,000 | 447,000 |
| Securities available for sale | 10,311,000 | 10,100,000 | 10,066,000 | 8,521,000 |
| Securities held to maturity | 1,475,000 | 1,475,000 | 1,475,000 | 1,475,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,178,000 | 59,234,000 | 59,623,000 | 61,107,000 |
| Interest-bearing deposits | 51,689,000 | 53,001,000 | 51,844,000 | 52,162,000 |
| Noninterest-bearing deposits | 7,489,000 | 6,233,000 | 7,779,000 | 8,945,000 |
| Equity capital | 7,045,000 | 7,174,000 | 7,413,000 | 7,499,000 |
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 | 959,000 | 2,002,000 | 3,045,000 | 3,930,000 |
| Interest expense | 193,000 | 364,000 | 523,000 | 665,000 |
| Net interest income | 766,000 | 1,638,000 | 2,522,000 | 3,265,000 |
| Noninterest income | 24,000 | 108,000 | 229,000 | 347,000 |
| Noninterest expense | 594,000 | 1,268,000 | 1,854,000 | 2,460,000 |
| Provision for loan losses | 47,000 | 93,000 | 140,000 | 238,000 |
| Pretax income | 149,000 | 385,000 | 757,000 | 914,000 |
| Income tax | 49,000 | 163,000 | 299,000 | 359,000 |
| Net income | 100,000 | 222,000 | 458,000 | 555,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,379,000 | 6,505,000 | 6,745,000 | 6,845,000 |
| Total capital | 6,790,000 | 6,966,000 | 7,256,000 | 7,357,000 |
| Risk-weighted assets | 41,991,000 | 44,052,000 | 42,174,000 | 44,858,000 |