Call reports 2012
CBL STATE SAVINGS BANK — 2012
What CBL STATE SAVINGS 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 | 120,300,000 | 120,755,000 | 121,657,000 | 120,770,000 |
| Total loans | 79,040,000 | 77,916,000 | 76,536,000 | 75,224,000 |
| Allowance for loan losses | 1,182,000 | 1,194,000 | 1,239,000 | 1,039,000 |
| Securities available for sale | 7,812,000 | 11,000,000 | 16,980,000 | 17,663,000 |
| Securities held to maturity | 20,754,000 | 15,976,000 | 15,063,000 | 14,241,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,794,000 | 95,873,000 | 95,114,000 | 95,566,000 |
| Interest-bearing deposits | 95,794,000 | 95,821,000 | 95,083,000 | 95,559,000 |
| Noninterest-bearing deposits | 0 | 52,000 | 31,000 | 7,000 |
| Equity capital | 22,514,000 | 22,788,000 | 23,027,000 | 22,859,000 |
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 | 1,260,000 | 2,531,000 | 3,757,000 | 5,025,000 |
| Interest expense | 398,000 | 839,000 | 1,142,000 | 1,461,000 |
| Net interest income | 862,000 | 1,692,000 | 2,615,000 | 3,564,000 |
| Noninterest income | 47,000 | 146,000 | 164,000 | -123,000 |
| Noninterest expense | 543,000 | 1,073,000 | 1,615,000 | 2,341,000 |
| Provision for loan losses | 31,000 | 205,000 | 276,000 | 446,000 |
| Pretax income | 335,000 | 776,000 | 1,117,000 | 883,000 |
| Income tax | 122,000 | 284,000 | 409,000 | 323,000 |
| Net income | 213,000 | 492,000 | 708,000 | 560,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,513,000 | 22,792,000 | 23,008,000 | 22,860,000 |
| Total capital | 23,350,000 | 23,565,000 | 23,789,000 | 23,616,000 |
| Risk-weighted assets | 66,581,000 | 61,448,000 | 61,297,000 | 60,203,000 |