Call reports 2012
BENEFIT BANK — 2012
What BENEFIT 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 | 209,459,000 | 204,824,000 | 198,563,000 | 197,028,000 |
| Total loans | 162,593,000 | 160,379,000 | 154,939,000 | 154,719,000 |
| Allowance for loan losses | 4,672,000 | 3,639,000 | 3,512,000 | 3,464,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,424,000 | 166,938,000 | 164,647,000 | 162,857,000 |
| Interest-bearing deposits | 156,730,000 | 151,565,000 | 148,624,000 | 145,289,000 |
| Noninterest-bearing deposits | 14,694,000 | 15,373,000 | 16,023,000 | 17,568,000 |
| Equity capital | 18,293,000 | 18,296,000 | 18,645,000 | 18,930,000 |
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 | 2,243,000 | 4,398,000 | 6,543,000 | 8,564,000 |
| Interest expense | 495,000 | 958,000 | 1,395,000 | 1,785,000 |
| Net interest income | 1,748,000 | 3,440,000 | 5,148,000 | 6,779,000 |
| Noninterest income | 562,000 | 1,106,000 | 1,625,000 | 2,031,000 |
| Noninterest expense | 1,702,000 | 3,710,000 | 5,478,000 | 7,199,000 |
| Provision for loan losses | 375,000 | 600,000 | 710,000 | 740,000 |
| Pretax income | 233,000 | 236,000 | 585,000 | 871,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 233,000 | 236,000 | 585,000 | 871,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,293,000 | 18,296,000 | 18,645,000 | 18,930,000 |
| Total capital | 19,996,000 | 19,965,000 | 20,226,000 | 20,486,000 |
| Risk-weighted assets | 133,265,000 | 131,583,000 | 124,567,000 | 122,608,000 |