Call reports 2012
DEARBORN FEDERAL SAVINGS BANK — 2012
What DEARBORN 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 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 263,985,000 | 265,764,000 | 259,510,000 | 260,951,000 |
| Total loans | 207,783,000 | 204,746,000 | 205,600,000 | 200,689,000 |
| Allowance for loan losses | 8,300,000 | 8,821,000 | 9,255,000 | 9,034,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 10,642,000 | 10,396,000 | 9,446,000 | 8,391,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,264,000 | 197,375,000 | 193,838,000 | 194,496,000 |
| Interest-bearing deposits | 188,945,000 | 189,876,000 | 186,960,000 | 187,495,000 |
| Noninterest-bearing deposits | 7,319,000 | 7,499,000 | 6,878,000 | 7,001,000 |
| Equity capital | 64,249,000 | 64,385,000 | 64,519,000 | 64,614,000 |
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 | 2,708,000 | 5,293,000 | 7,794,000 | 10,390,000 |
| Interest expense | 286,000 | 538,000 | 755,000 | 990,000 |
| Net interest income | 2,422,000 | 4,755,000 | 7,039,000 | 9,400,000 |
| Noninterest income | -128,000 | -36,000 | -183,000 | -206,000 |
| Noninterest expense | 1,377,000 | 2,825,000 | 4,199,000 | 5,809,000 |
| Provision for loan losses | 650,000 | 1,370,000 | 1,875,000 | 2,445,000 |
| Pretax income | 267,000 | 524,000 | 782,000 | 940,000 |
| Income tax | 132,000 | 254,000 | 377,000 | 441,000 |
| Net income | 135,000 | 270,000 | 405,000 | 499,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,249,000 | 64,385,000 | 64,519,000 | 64,614,000 |
| Total capital | 66,109,000 | 66,216,000 | 66,317,000 | 66,456,000 |
| Risk-weighted assets | 142,395,000 | 141,701,000 | 144,266,000 | 140,540,000 |