Call reports 2012
CARVER STATE BANK — 2012
What CARVER STATE 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 | 41,597,000 | 42,747,000 | 41,573,000 | 42,666,000 |
| Total loans | 26,073,000 | 26,214,000 | 26,004,000 | 25,598,000 |
| Allowance for loan losses | 190,000 | 228,000 | 228,000 | 279,000 |
| Securities available for sale | 4,581,000 | 3,536,000 | 4,587,000 | 5,623,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,464,000 | 34,514,000 | 34,281,000 | 35,245,000 |
| Interest-bearing deposits | 29,408,000 | 30,143,000 | 30,131,000 | 30,634,000 |
| Noninterest-bearing deposits | 4,055,000 | 4,371,000 | 4,150,000 | 4,611,000 |
| Equity capital | 3,658,000 | 3,703,000 | 3,722,000 | 3,743,000 |
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 | 562,000 | 1,131,000 | 1,676,000 | 2,238,000 |
| Interest expense | 111,000 | 216,000 | 319,000 | 404,000 |
| Net interest income | 451,000 | 915,000 | 1,357,000 | 1,834,000 |
| Noninterest income | 110,000 | 196,000 | 303,000 | 778,000 |
| Noninterest expense | 548,000 | 1,057,000 | 1,587,000 | 2,407,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 13,000 | 54,000 | 73,000 | 205,000 |
| Income tax | 0 | 0 | 1,000 | 102,000 |
| Net income | 13,000 | 54,000 | 72,000 | 103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,657,000 | 3,698,000 | 3,716,000 | 3,747,000 |
| Total capital | 3,847,000 | 3,926,000 | 3,944,000 | 4,026,000 |
| Risk-weighted assets | 28,567,000 | 28,431,000 | 28,401,000 | 28,578,000 |