Call reports 2012
DEARBORN SAVINGS BANK — 2012
What DEARBORN 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 | 115,838,000 | 116,533,000 | 114,552,000 | 113,102,000 |
| Total loans | 87,797,000 | 85,136,000 | 82,974,000 | 85,773,000 |
| Allowance for loan losses | 1,046,000 | 1,095,000 | 1,025,000 | 1,030,000 |
| Securities available for sale | 12,545,000 | 10,667,000 | 13,688,000 | 11,309,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,291,000 | 93,771,000 | 92,411,000 | 89,383,000 |
| Interest-bearing deposits | 90,315,000 | 91,643,000 | 89,379,000 | 85,542,000 |
| Noninterest-bearing deposits | 2,976,000 | 2,128,000 | 3,032,000 | 3,841,000 |
| Equity capital | 14,590,000 | 14,874,000 | 15,245,000 | 15,585,000 |
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 | 1,237,000 | 2,440,000 | 3,591,000 | 4,741,000 |
| Interest expense | 236,000 | 452,000 | 657,000 | 838,000 |
| Net interest income | 1,001,000 | 1,988,000 | 2,934,000 | 3,903,000 |
| Noninterest income | 171,000 | 187,000 | 438,000 | 675,000 |
| Noninterest expense | 645,000 | 1,310,000 | 2,031,000 | 2,715,000 |
| Provision for loan losses | 175,000 | 225,000 | 254,000 | 284,000 |
| Pretax income | 352,000 | 706,000 | 1,153,000 | 1,667,000 |
| Income tax | 115,000 | 230,000 | 378,000 | 552,000 |
| Net income | 237,000 | 476,000 | 775,000 | 1,115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,511,000 | 14,814,000 | 15,112,000 | 15,450,000 |
| Total capital | 15,537,000 | 15,791,000 | 16,101,000 | 16,441,000 |
| Risk-weighted assets | 82,049,000 | 78,019,000 | 79,049,000 | 79,219,000 |