Call reports 2012
SOFI BANK, NATIONAL ASSOCIATION — 2012
What SOFI BANK, NATIONAL 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 | 130,377,000 | 129,404,000 | 129,447,000 | 138,372,000 |
| Total loans | 91,645,000 | 92,760,000 | 98,649,000 | 96,360,000 |
| Allowance for loan losses | 1,009,000 | 1,040,000 | 993,000 | 995,000 |
| Securities available for sale | 5,179,000 | 5,502,000 | 8,655,000 | 9,195,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,939,000 | 116,976,000 | 117,454,000 | 126,440,000 |
| Interest-bearing deposits | 69,077,000 | 70,175,000 | 68,016,000 | 66,279,000 |
| Noninterest-bearing deposits | 48,862,000 | 46,801,000 | 49,438,000 | 60,161,000 |
| Equity capital | 11,488,000 | 11,492,000 | 11,185,000 | 11,127,000 |
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 | 1,638,000 | 3,312,000 | 4,844,000 | 6,338,000 |
| Interest expense | 83,000 | 157,000 | 224,000 | 282,000 |
| Net interest income | 1,555,000 | 3,155,000 | 4,620,000 | 6,056,000 |
| Noninterest income | 993,000 | 1,835,000 | 2,806,000 | 4,004,000 |
| Noninterest expense | 2,524,000 | 4,962,000 | 7,736,000 | 10,397,000 |
| Provision for loan losses | 55,000 | 55,000 | 94,000 | 94,000 |
| Pretax income | 35,000 | 76,000 | -301,000 | -307,000 |
| Income tax | 0 | 1,000 | 1,000 | 0 |
| Net income | 35,000 | 75,000 | -302,000 | -307,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,839,000 | 10,909,000 | 10,561,000 | 10,586,000 |
| Total capital | 11,860,000 | 11,961,000 | 11,578,000 | 11,605,000 |
| Risk-weighted assets | 81,765,000 | 89,567,000 | 93,126,000 | 91,949,000 |