Call reports 2012
CUSTOMERS BANK — 2012
What CUSTOMERS 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 | 1,974,905,000 | 2,284,116,000 | 2,657,811,000 | 3,201,216,000 |
| Total loans | 1,487,732,000 | 1,934,405,000 | 2,274,984,000 | 2,764,356,000 |
| Allowance for loan losses | 15,400,000 | 16,118,000 | 24,974,000 | 25,837,000 |
| Securities available for sale | 27,951,000 | 134,751,000 | 130,699,000 | 129,087,000 |
| Securities held to maturity | 281,417,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,809,179,000 | 1,929,950,000 | 2,393,609,000 | 2,485,497,000 |
| Interest-bearing deposits | 1,670,685,000 | 1,774,854,000 | 2,134,954,000 | 2,221,131,000 |
| Noninterest-bearing deposits | 138,494,000 | 155,096,000 | 258,655,000 | 264,366,000 |
| Equity capital | 146,436,000 | 158,370,000 | 216,671,000 | 225,150,000 |
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 | 18,636,000 | 38,334,000 | 66,298,000 | 93,543,000 |
| Interest expense | 5,226,000 | 10,774,000 | 16,181,000 | 21,761,000 |
| Net interest income | 13,410,000 | 27,560,000 | 50,117,000 | 71,782,000 |
| Noninterest income | 3,581,000 | 7,421,000 | 18,159,000 | 23,415,000 |
| Noninterest expense | 10,491,000 | 22,882,000 | 35,426,000 | 49,145,000 |
| Provision for loan losses | 1,800,000 | 4,538,000 | 14,654,000 | 16,271,000 |
| Pretax income | 4,909,000 | 16,567,000 | 27,202,000 | 38,798,000 |
| Income tax | 1,669,000 | 5,798,000 | 9,521,000 | 13,220,000 |
| Net income | 3,240,000 | 10,769,000 | 17,681,000 | 25,578,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 140,642,000 | 152,414,000 | 209,709,000 | 218,394,000 |
| Total capital | 156,895,000 | 169,385,000 | 235,562,000 | 244,710,000 |
| Risk-weighted assets | 1,354,481,000 | 1,678,818,000 | 2,087,562,000 | 2,568,019,000 |