Call reports 2011
SAUGUSBANK A CO-OPERATIVE BANK — 2011
What SAUGUSBANK A CO-OPERATIVE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 198,166,000 | 201,662,000 | 206,057,000 | 207,841,000 |
| Total loans | 122,805,000 | 124,382,000 | 124,356,000 | 121,139,000 |
| Allowance for loan losses | 1,638,000 | 1,720,000 | 2,072,000 | 2,005,000 |
| Securities available for sale | 13,991,000 | 9,550,000 | 8,423,000 | 7,602,000 |
| Securities held to maturity | 38,181,000 | 43,335,000 | 40,181,000 | 41,150,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,407,000 | 163,748,000 | 168,109,000 | 169,765,000 |
| Interest-bearing deposits | 146,626,000 | 150,006,000 | 154,517,000 | 155,315,000 |
| Noninterest-bearing deposits | 13,781,000 | 13,742,000 | 13,592,000 | 14,450,000 |
| Equity capital | 16,109,000 | 16,216,000 | 16,324,000 | 16,494,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,123,000 | 4,259,000 | 6,347,000 | 8,406,000 |
| Interest expense | 641,000 | 1,285,000 | 1,935,000 | 2,552,000 |
| Net interest income | 1,482,000 | 2,974,000 | 4,412,000 | 5,854,000 |
| Noninterest income | 217,000 | 458,000 | 558,000 | 806,000 |
| Noninterest expense | 1,385,000 | 2,722,000 | 4,011,000 | 5,398,000 |
| Provision for loan losses | 121,000 | 243,000 | 240,000 | 241,000 |
| Pretax income | 199,000 | 474,000 | 733,000 | 1,035,000 |
| Income tax | 54,000 | 132,000 | 205,000 | 292,000 |
| Net income | 145,000 | 342,000 | 528,000 | 743,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,942,000 | 16,139,000 | 16,325,000 | 15,926,000 |
| Total capital | 17,580,000 | 17,802,000 | 17,997,000 | 17,535,000 |
| Risk-weighted assets | 132,726,000 | 132,956,000 | 133,343,000 | 128,334,000 |