Call reports 2011
BREDA SAVINGS BANK — 2011
What BREDA SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 37,509,000 | 38,631,000 | 38,738,000 | 42,241,000 |
| Total loans | 17,237,000 | 17,812,000 | 17,431,000 | 18,754,000 |
| Allowance for loan losses | 404,000 | 404,000 | 405,000 | 445,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 18,734,000 | 19,203,000 | 19,618,000 | 21,028,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,557,000 | 25,836,000 | 27,104,000 | 28,375,000 |
| Interest-bearing deposits | 19,984,000 | 19,696,000 | 20,495,000 | 19,929,000 |
| Noninterest-bearing deposits | 6,573,000 | 6,140,000 | 6,609,000 | 8,446,000 |
| Equity capital | 6,418,000 | 6,634,000 | 6,653,000 | 6,395,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 394,000 | 846,000 | 1,103,000 | 1,381,000 |
| Interest expense | 50,000 | 101,000 | 153,000 | 204,000 |
| Net interest income | 344,000 | 745,000 | 950,000 | 1,177,000 |
| Noninterest income | 41,000 | 76,000 | 111,000 | 194,000 |
| Noninterest expense | 214,000 | 424,000 | 640,000 | 1,108,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 171,000 | 397,000 | 421,000 | 263,000 |
| Income tax | 2,000 | 12,000 | 17,000 | 37,000 |
| Net income | 169,000 | 385,000 | 404,000 | 226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,418,000 | 6,634,000 | 6,653,000 | 6,395,000 |
| Total capital | 6,669,000 | 6,894,000 | 6,930,000 | 6,692,000 |
| Risk-weighted assets | 19,955,000 | 20,606,000 | 21,993,000 | 23,584,000 |