Call reports 2012
FRATERNITY FEDERAL SAVINGS AND LOAN ASSOCIATION — 2012
What FRATERNITY FEDERAL SAVINGS AND LOAN ASSOCIATION 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 | 174,569,000 | 174,828,000 | 170,166,000 | 169,703,000 |
| Total loans | 114,619,000 | 111,356,000 | 111,236,000 | 115,643,000 |
| Allowance for loan losses | 1,250,000 | 1,250,000 | 1,395,000 | 1,395,000 |
| Securities available for sale | 31,272,000 | 25,750,000 | 24,415,000 | 18,575,000 |
| Securities held to maturity | 7,729,000 | 7,405,000 | 7,350,000 | 7,646,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,386,000 | 127,688,000 | 125,521,000 | 125,120,000 |
| Interest-bearing deposits | 118,718,000 | 118,448,000 | 117,612,000 | 117,729,000 |
| Noninterest-bearing deposits | 8,668,000 | 9,240,000 | 7,909,000 | 7,391,000 |
| Equity capital | 23,893,000 | 23,928,000 | 23,891,000 | 23,850,000 |
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 | 1,756,000 | 3,472,000 | 5,066,000 | 6,674,000 |
| Interest expense | 631,000 | 1,247,000 | 1,854,000 | 2,426,000 |
| Net interest income | 1,125,000 | 2,225,000 | 3,212,000 | 4,248,000 |
| Noninterest income | 78,000 | 143,000 | 229,000 | 304,000 |
| Noninterest expense | 1,063,000 | 2,094,000 | 3,153,000 | 4,242,000 |
| Provision for loan losses | 73,000 | 178,000 | 380,000 | 402,000 |
| Pretax income | 67,000 | 210,000 | 22,000 | 36,000 |
| Income tax | 10,000 | 46,000 | -56,000 | -98,000 |
| Net income | 57,000 | 164,000 | 78,000 | 134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,703,000 | 23,807,000 | 23,719,000 | 23,776,000 |
| Total capital | 24,873,000 | 25,034,000 | 24,906,000 | 24,982,000 |
| Risk-weighted assets | 93,547,000 | 98,133,000 | 94,740,000 | 96,261,000 |