Call reports 2012
MERRILL FEDERAL SAVINGS & LOAN ASSOCIATION — 2012
What MERRILL FEDERAL SAVINGS & LOAN ASSOCIATION 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 | 43,775,000 | 44,648,000 | 45,441,000 | 46,035,000 |
| Total loans | 40,809,000 | 41,207,000 | 42,015,000 | 42,791,000 |
| Allowance for loan losses | 544,000 | 559,000 | 574,000 | 591,000 |
| Securities available for sale | 2,000 | 2,000 | 2,000 | 2,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,274,000 | 36,985,000 | 38,558,000 | 38,929,000 |
| Interest-bearing deposits | 32,608,000 | 32,475,000 | 33,912,000 | 33,316,000 |
| Noninterest-bearing deposits | 4,666,000 | 4,510,000 | 4,646,000 | 5,613,000 |
| Equity capital | 4,843,000 | 4,964,000 | 5,073,000 | 5,182,000 |
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 | 528,000 | 1,059,000 | 1,583,000 | 2,115,000 |
| Interest expense | 73,000 | 137,000 | 201,000 | 262,000 |
| Net interest income | 455,000 | 922,000 | 1,382,000 | 1,853,000 |
| Noninterest income | 24,000 | 53,000 | 74,000 | 94,000 |
| Noninterest expense | 292,000 | 574,000 | 857,000 | 1,147,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 65,000 |
| Pretax income | 172,000 | 371,000 | 554,000 | 735,000 |
| Income tax | 67,000 | 145,000 | 219,000 | 290,000 |
| Net income | 105,000 | 226,000 | 335,000 | 445,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,690,000 | 4,811,000 | 4,898,000 | 5,007,000 |
| Total capital | 5,096,000 | 5,213,000 | 5,305,000 | 5,421,000 |
| Risk-weighted assets | 32,324,000 | 32,052,000 | 32,448,000 | 35,430,000 |