Call reports 2012
SAVINGS BANK, THE — 2012
What SAVINGS BANK, THE 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 | 444,713,000 | 453,976,000 | 458,588,000 | 457,183,000 |
| Total loans | 262,243,000 | 275,422,000 | 281,962,000 | 295,999,000 |
| Allowance for loan losses | 2,518,000 | 2,796,000 | 2,861,000 | 3,031,000 |
| Securities available for sale | 104,292,000 | 102,517,000 | 101,356,000 | 98,573,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 385,310,000 | 394,001,000 | 396,763,000 | 395,369,000 |
| Interest-bearing deposits | 334,504,000 | 339,166,000 | 340,277,000 | 334,180,000 |
| Noninterest-bearing deposits | 50,806,000 | 54,835,000 | 56,486,000 | 61,189,000 |
| Equity capital | 57,390,000 | 57,882,000 | 58,948,000 | 59,221,000 |
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 | 3,870,000 | 7,873,000 | 11,826,000 | 15,770,000 |
| Interest expense | 503,000 | 977,000 | 1,425,000 | 1,844,000 |
| Net interest income | 3,367,000 | 6,896,000 | 10,401,000 | 13,926,000 |
| Noninterest income | 1,357,000 | 2,778,000 | 4,122,000 | 5,742,000 |
| Noninterest expense | 4,244,000 | 8,417,000 | 12,398,000 | 16,613,000 |
| Provision for loan losses | 121,000 | 398,000 | 464,000 | 644,000 |
| Pretax income | 390,000 | 1,071,000 | 2,051,000 | 2,800,000 |
| Income tax | 85,000 | 268,000 | 596,000 | 688,000 |
| Net income | 305,000 | 803,000 | 1,455,000 | 2,112,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,642,000 | 50,205,000 | 50,923,000 | 51,644,000 |
| Total capital | 54,326,000 | 55,288,000 | 56,132,000 | 56,858,000 |
| Risk-weighted assets | 274,423,000 | 282,947,000 | 287,366,000 | 297,779,000 |