Call reports 2012
TSB BANK — 2012
What TSB 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 | 93,954,000 | 95,252,000 | 93,410,000 | 101,939,000 |
| Total loans | 65,284,000 | 66,818,000 | 66,102,000 | 65,784,000 |
| Allowance for loan losses | 800,000 | 727,000 | 924,000 | 1,050,000 |
| Securities available for sale | 18,680,000 | 21,108,000 | 22,567,000 | 26,686,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,439,000 | 83,265,000 | 83,297,000 | 91,523,000 |
| Interest-bearing deposits | 70,457,000 | 70,638,000 | 70,725,000 | 78,079,000 |
| Noninterest-bearing deposits | 11,982,000 | 12,627,000 | 12,571,000 | 13,444,000 |
| Equity capital | 7,978,000 | 8,373,000 | 8,544,000 | 8,836,000 |
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 | 1,076,000 | 2,145,000 | 3,227,000 | 4,317,000 |
| Interest expense | 235,000 | 470,000 | 697,000 | 899,000 |
| Net interest income | 841,000 | 1,675,000 | 2,530,000 | 3,418,000 |
| Noninterest income | 96,000 | 217,000 | 351,000 | 452,000 |
| Noninterest expense | 624,000 | 1,266,000 | 1,864,000 | 2,462,000 |
| Provision for loan losses | 45,000 | 85,000 | 285,000 | 298,000 |
| Pretax income | 337,000 | 732,000 | 937,000 | 1,321,000 |
| Income tax | 127,000 | 222,000 | 272,000 | 391,000 |
| Net income | 210,000 | 510,000 | 665,000 | 930,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,753,000 | 8,053,000 | 8,206,000 | 8,473,000 |
| Total capital | 8,553,000 | 8,780,000 | 9,106,000 | 9,388,000 |
| Risk-weighted assets | 70,488,000 | 72,159,000 | 71,939,000 | 73,049,000 |