Call reports 2012
SAVERS CO-OPERATIVE BANK — 2012
What SAVERS CO-OPERATIVE 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 | 417,667,000 | 418,542,000 | 421,285,000 | 422,375,000 |
| Total loans | 293,502,000 | 301,104,000 | 305,897,000 | 309,640,000 |
| Allowance for loan losses | 2,686,000 | 2,721,000 | 2,470,000 | 2,561,000 |
| Securities available for sale | 51,855,000 | 51,843,000 | 50,590,000 | 48,500,000 |
| Securities held to maturity | 26,332,000 | 25,964,000 | 25,589,000 | 24,765,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 317,295,000 | 323,343,000 | 321,393,000 | 323,245,000 |
| Interest-bearing deposits | 288,684,000 | 290,881,000 | 291,493,000 | 291,042,000 |
| Noninterest-bearing deposits | 28,610,000 | 32,462,000 | 29,900,000 | 32,203,000 |
| Equity capital | 44,373,000 | 44,919,000 | 45,607,000 | 46,157,000 |
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 | 4,148,000 | 8,254,000 | 12,228,000 | 16,203,000 |
| Interest expense | 1,028,000 | 1,956,000 | 2,791,000 | 3,579,000 |
| Net interest income | 3,120,000 | 6,298,000 | 9,437,000 | 12,624,000 |
| Noninterest income | 684,000 | 1,442,000 | 2,332,000 | 3,393,000 |
| Noninterest expense | 3,156,000 | 6,386,000 | 9,418,000 | 12,611,000 |
| Provision for loan losses | 460,000 | 610,000 | 755,000 | 900,000 |
| Pretax income | 188,000 | 744,000 | 1,596,000 | 2,526,000 |
| Income tax | -16,000 | 117,000 | 371,000 | 655,000 |
| Net income | 204,000 | 627,000 | 1,225,000 | 1,871,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,342,000 | 44,766,000 | 45,364,000 | 46,010,000 |
| Total capital | 47,102,000 | 47,565,000 | 47,834,000 | 48,650,000 |
| Risk-weighted assets | 251,629,000 | 259,246,000 | 267,068,000 | 256,467,000 |