Call reports 2012
NATICK FEDERAL SAVINGS BANK — 2012
What NATICK FEDERAL 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 |
|---|---|---|
| Total assets | 156,836,000 | 151,874,000 |
| Total loans | 66,906,000 | 64,717,000 |
| Allowance for loan losses | 160,000 | 274,000 |
| Securities available for sale | 17,035,000 | 17,035,000 |
| Securities held to maturity | 12,825,000 | 11,526,000 |
| Trading assets | 0 | 0 |
| Total deposits | 137,745,000 | 137,598,000 |
| Interest-bearing deposits | 134,606,000 | 134,194,000 |
| Noninterest-bearing deposits | 3,139,000 | 3,404,000 |
| Equity capital | 14,340,000 | 10,667,000 |
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 |
|---|---|---|
| Interest income | 1,079,000 | 2,106,000 |
| Interest expense | 362,000 | 709,000 |
| Net interest income | 717,000 | 1,397,000 |
| Noninterest income | 70,000 | 113,000 |
| Noninterest expense | 927,000 | 7,196,000 |
| Provision for loan losses | 0 | 46,000 |
| Pretax income | -140,000 | -5,732,000 |
| Income tax | -117,000 | -2,036,000 |
| Net income | -23,000 | -3,696,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 |
|---|---|---|
| Tier 1 capital | 13,513,000 | 9,845,000 |
| Total capital | 13,673,000 | 10,119,000 |
| Risk-weighted assets | 65,643,000 | 65,124,000 |