Call reports 2012
TEXAS SAVINGS BANK, STATE SAVINGS BANK — 2012
What TEXAS SAVINGS BANK, STATE 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 | 102,141,000 | 97,913,000 | 88,753,000 | 86,988,000 |
| Total loans | 78,157,000 | 71,205,000 | 64,888,000 | 61,462,000 |
| Allowance for loan losses | 4,945,000 | 5,558,000 | 5,402,000 | 4,498,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 9,000 | 8,000 | 8,000 | 8,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,059,000 | 92,928,000 | 83,742,000 | 81,038,000 |
| Interest-bearing deposits | 77,189,000 | 75,130,000 | 69,789,000 | 66,929,000 |
| Noninterest-bearing deposits | 18,870,000 | 17,798,000 | 13,953,000 | 14,109,000 |
| Equity capital | 5,798,000 | 4,742,000 | 4,877,000 | 5,769,000 |
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 | 1,119,000 | 2,197,000 | 3,207,000 | 4,082,000 |
| Interest expense | 294,000 | 530,000 | 751,000 | 937,000 |
| Net interest income | 825,000 | 1,667,000 | 2,456,000 | 3,145,000 |
| Noninterest income | 1,098,000 | 1,214,000 | 1,307,000 | 1,390,000 |
| Noninterest expense | 1,251,000 | 2,616,000 | 3,363,000 | 4,131,000 |
| Provision for loan losses | 410,000 | 1,059,000 | 1,059,000 | 171,000 |
| Pretax income | 262,000 | -794,000 | -659,000 | 233,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 262,000 | -794,000 | -659,000 | 233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,798,000 | 4,742,000 | 4,877,000 | 5,769,000 |
| Total capital | 6,625,000 | 5,495,000 | 5,565,000 | 6,445,000 |
| Risk-weighted assets | 62,072,000 | 55,405,000 | 50,351,000 | 50,278,000 |