Call reports 2012
BREDA SAVINGS BANK — 2012
What BREDA 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 | 40,913,000 | 42,099,000 | 43,233,000 | 45,434,000 |
| Total loans | 18,950,000 | 19,569,000 | 20,247,000 | 21,856,000 |
| Allowance for loan losses | 445,000 | 445,000 | 445,000 | 431,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 20,495,000 | 21,218,000 | 21,504,000 | 21,080,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,953,000 | 28,104,000 | 29,440,000 | 30,143,000 |
| Interest-bearing deposits | 21,428,000 | 20,786,000 | 21,309,000 | 20,219,000 |
| Noninterest-bearing deposits | 7,525,000 | 7,318,000 | 8,131,000 | 9,924,000 |
| Equity capital | 6,572,000 | 6,609,000 | 6,944,000 | 7,024,000 |
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 | 527,000 | 855,000 | 1,477,000 | 1,852,000 |
| Interest expense | 47,000 | 91,000 | 132,000 | 168,000 |
| Net interest income | 480,000 | 764,000 | 1,345,000 | 1,684,000 |
| Noninterest income | 35,000 | 76,000 | 110,000 | 166,000 |
| Noninterest expense | 329,000 | 609,000 | 893,000 | 1,230,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 186,000 | 231,000 | 580,000 | 638,000 |
| Income tax | 9,000 | 17,000 | 31,000 | 39,000 |
| Net income | 177,000 | 214,000 | 549,000 | 599,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,572,000 | 6,609,000 | 6,944,000 | 7,024,000 |
| Total capital | 6,867,000 | 6,914,000 | 7,259,000 | 7,359,000 |
| Risk-weighted assets | 23,478,000 | 24,257,000 | 25,052,000 | 26,773,000 |