Call reports 2012
1ST FEDERAL SAVINGS BANK OF SC, INC. — 2012
What 1ST FEDERAL SAVINGS BANK OF SC, INC. 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 | 115,447,000 | 113,257,000 | 110,656,000 | 104,895,000 |
| Total loans | 62,711,000 | 62,120,000 | 61,451,000 | 58,836,000 |
| Allowance for loan losses | 1,062,000 | 929,000 | 1,872,000 | 1,694,000 |
| Securities available for sale | 21,021,000 | 20,682,000 | 21,098,000 | 20,471,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,950,000 | 103,700,000 | 102,762,000 | 96,925,000 |
| Interest-bearing deposits | 99,090,000 | 97,315,000 | 95,638,000 | 90,839,000 |
| Noninterest-bearing deposits | 6,860,000 | 6,385,000 | 7,124,000 | 6,086,000 |
| Equity capital | 7,530,000 | 7,588,000 | 5,924,000 | 5,725,000 |
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 | 841,000 | 1,735,000 | 2,627,000 | 3,471,000 |
| Interest expense | 206,000 | 386,000 | 531,000 | 646,000 |
| Net interest income | 635,000 | 1,349,000 | 2,096,000 | 2,825,000 |
| Noninterest income | 306,000 | 605,000 | 986,000 | 1,344,000 |
| Noninterest expense | 1,039,000 | 2,037,000 | 3,172,000 | 4,245,000 |
| Provision for loan losses | 50,000 | 160,000 | 1,549,000 | 1,549,000 |
| Pretax income | -148,000 | -237,000 | -1,633,000 | -1,619,000 |
| Income tax | -58,000 | -92,000 | 181,000 | 209,000 |
| Net income | -90,000 | -145,000 | -1,814,000 | -1,828,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,254,000 | 8,194,000 | 5,700,000 | 5,573,000 |
| Total capital | 9,010,000 | 8,957,000 | 6,452,000 | 6,305,000 |
| Risk-weighted assets | 59,443,000 | 61,145,000 | 59,872,000 | 57,609,000 |