Call reports 2012
BALTIMORE COUNTY SAVINGS BANK — 2012
What BALTIMORE COUNTY 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 | 634,839,000 | 640,602,000 | 643,132,000 | 642,641,000 |
| Total loans | 353,321,000 | 344,151,000 | 339,235,000 | 333,197,000 |
| Allowance for loan losses | 4,334,000 | 3,716,000 | 3,620,000 | 3,540,000 |
| Securities available for sale | 189,665,000 | 198,973,000 | 218,533,000 | 213,719,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 564,926,000 | 569,969,000 | 570,245,000 | 569,133,000 |
| Interest-bearing deposits | 529,982,000 | 529,605,000 | 533,375,000 | 532,585,000 |
| Noninterest-bearing deposits | 34,944,000 | 40,364,000 | 36,870,000 | 36,548,000 |
| Equity capital | 64,628,000 | 64,976,000 | 67,111,000 | 67,509,000 |
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 | 6,529,000 | 12,943,000 | 19,415,000 | 26,103,000 |
| Interest expense | 1,605,000 | 3,129,000 | 4,610,000 | 5,953,000 |
| Net interest income | 4,924,000 | 9,814,000 | 14,805,000 | 20,150,000 |
| Noninterest income | 837,000 | 1,352,000 | 1,866,000 | 2,349,000 |
| Noninterest expense | 4,532,000 | 8,628,000 | 12,976,000 | 17,123,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,400,000 |
| Pretax income | 966,000 | 1,747,000 | 2,498,000 | 3,716,000 |
| Income tax | 229,000 | 496,000 | 753,000 | 1,209,000 |
| Net income | 737,000 | 1,251,000 | 1,745,000 | 2,507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,038,000 | 64,669,000 | 65,296,000 | 64,942,000 |
| Total capital | 68,372,000 | 68,385,000 | 68,916,000 | 68,482,000 |
| Risk-weighted assets | 388,579,000 | 384,912,000 | 387,200,000 | 374,539,000 |