Call reports 2012
SAUGUSBANK A CO-OPERATIVE BANK — 2012
What SAUGUSBANK A 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 | 208,280,000 | 205,085,000 | 207,041,000 | 208,470,000 |
| Total loans | 122,958,000 | 121,344,000 | 120,585,000 | 119,530,000 |
| Allowance for loan losses | 1,982,000 | 1,935,000 | 1,936,000 | 1,936,000 |
| Securities available for sale | 7,490,000 | 7,608,000 | 7,207,000 | 7,237,000 |
| Securities held to maturity | 41,800,000 | 43,069,000 | 41,690,000 | 39,347,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,951,000 | 166,613,000 | 168,203,000 | 169,294,000 |
| Interest-bearing deposits | 154,867,000 | 151,008,000 | 150,788,000 | 153,203,000 |
| Noninterest-bearing deposits | 15,084,000 | 15,605,000 | 17,415,000 | 16,091,000 |
| Equity capital | 16,891,000 | 17,191,000 | 17,537,000 | 17,783,000 |
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 | 2,001,000 | 4,009,000 | 6,090,000 | 7,950,000 |
| Interest expense | 543,000 | 1,058,000 | 1,550,000 | 2,019,000 |
| Net interest income | 1,458,000 | 2,951,000 | 4,540,000 | 5,931,000 |
| Noninterest income | 246,000 | 460,000 | 665,000 | 991,000 |
| Noninterest expense | 1,248,000 | 2,497,000 | 3,887,000 | 5,279,000 |
| Provision for loan losses | -1,000 | -1,000 | -1,000 | -1,000 |
| Pretax income | 457,000 | 917,000 | 1,335,000 | 1,660,000 |
| Income tax | 150,000 | 303,000 | 440,000 | 539,000 |
| Net income | 307,000 | 614,000 | 895,000 | 1,121,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,233,000 | 16,593,000 | 16,874,000 | 17,100,000 |
| Total capital | 17,864,000 | 18,222,000 | 18,492,000 | 18,706,000 |
| Risk-weighted assets | 130,107,000 | 130,011,000 | 129,145,000 | 128,159,000 |