Call reports 2012
NEW BUFFALO SAVINGS BANK — 2012
What NEW BUFFALO 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 | 89,605,000 | 92,191,000 | 95,067,000 | 93,872,000 |
| Total loans | 74,327,000 | 73,546,000 | 69,277,000 | 63,573,000 |
| Allowance for loan losses | 2,607,000 | 2,440,000 | 2,398,000 | 2,293,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,434,000 | 71,821,000 | 74,528,000 | 73,663,000 |
| Interest-bearing deposits | 68,371,000 | 65,823,000 | 69,909,000 | 68,286,000 |
| Noninterest-bearing deposits | 1,063,000 | 5,998,000 | 4,619,000 | 5,377,000 |
| Equity capital | 13,257,000 | 13,380,000 | 13,285,000 | 13,129,000 |
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 | 1,100,000 | 2,189,000 | 3,186,000 | 4,066,000 |
| Interest expense | 238,000 | 462,000 | 672,000 | 875,000 |
| Net interest income | 862,000 | 1,727,000 | 2,514,000 | 3,191,000 |
| Noninterest income | 113,000 | 309,000 | 470,000 | 344,000 |
| Noninterest expense | 867,000 | 1,783,000 | 2,789,000 | 3,473,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 108,000 | 253,000 | 195,000 | 62,000 |
| Income tax | 70,000 | 92,000 | 129,000 | 152,000 |
| Net income | 38,000 | 161,000 | 66,000 | -90,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,235,000 | 13,359,000 | 13,265,000 | 13,099,000 |
| Total capital | 14,124,000 | 14,250,000 | 14,128,000 | 13,907,000 |
| Risk-weighted assets | 69,439,000 | 69,765,000 | 67,495,000 | 63,123,000 |