Call reports 2012
SHELTER FINANCIAL BANK — 2012
What SHELTER FINANCIAL 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 | 170,579,000 | 163,830,000 | 160,464,000 | 144,246,000 |
| Total loans | 157,115,000 | 155,587,000 | 155,043,000 | 139,198,000 |
| Allowance for loan losses | 2,233,000 | 2,174,000 | 2,160,000 | 1,595,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,909,000 | 106,500,000 | 78,598,000 | 62,990,000 |
| Interest-bearing deposits | 110,897,000 | 100,696,000 | 72,417,000 | 22,901,000 |
| Noninterest-bearing deposits | 3,012,000 | 5,804,000 | 6,181,000 | 40,089,000 |
| Equity capital | 17,903,000 | 18,093,000 | 18,375,000 | 17,035,000 |
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 | 1,971,000 | 3,859,000 | 5,716,000 | 7,294,000 |
| Interest expense | 846,000 | 1,628,000 | 2,341,000 | 5,287,000 |
| Net interest income | 1,125,000 | 2,231,000 | 3,375,000 | 2,007,000 |
| Noninterest income | 8,000 | 16,000 | 29,000 | 197,000 |
| Noninterest expense | 766,000 | 1,568,000 | 2,266,000 | 3,701,000 |
| Provision for loan losses | 12,000 | 12,000 | 12,000 | -509,000 |
| Pretax income | 355,000 | 667,000 | 1,126,000 | -988,000 |
| Income tax | 138,000 | 260,000 | 437,000 | -337,000 |
| Net income | 217,000 | 407,000 | 689,000 | -651,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,903,000 | 18,093,000 | 18,375,000 | 17,035,000 |
| Total capital | 19,521,000 | 19,670,000 | 19,947,000 | 18,430,000 |
| Risk-weighted assets | 128,811,000 | 125,594,000 | 125,139,000 | 111,388,000 |