Call reports 2012
BEAUREGARD FEDERAL SAVINGS BANK — 2012
What BEAUREGARD FEDERAL 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 | 55,496,000 | 56,503,000 | 55,624,000 | 55,798,000 |
| Total loans | 35,449,000 | 35,605,000 | 35,006,000 | 34,531,000 |
| Allowance for loan losses | 527,000 | 522,000 | 536,000 | 551,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 11,317,000 | 13,318,000 | 12,801,000 | 8,751,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,732,000 | 46,567,000 | 45,417,000 | 46,022,000 |
| Interest-bearing deposits | 44,086,000 | 44,972,000 | 43,846,000 | 44,768,000 |
| Noninterest-bearing deposits | 1,646,000 | 1,595,000 | 1,571,000 | 1,254,000 |
| Equity capital | 9,522,000 | 9,663,000 | 9,817,000 | 9,469,000 |
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 | 780,000 | 1,632,000 | 2,373,000 | 3,112,000 |
| Interest expense | 94,000 | 187,000 | 271,000 | 354,000 |
| Net interest income | 686,000 | 1,445,000 | 2,102,000 | 2,758,000 |
| Noninterest income | 31,000 | 62,000 | 92,000 | 129,000 |
| Noninterest expense | 396,000 | 785,000 | 1,198,000 | 1,584,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 306,000 | 692,000 | 970,000 | 1,262,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 306,000 | 692,000 | 970,000 | 1,262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,522,000 | 9,663,000 | 9,817,000 | 9,469,000 |
| Total capital | 9,903,000 | 10,044,000 | 10,193,000 | 9,838,000 |
| Risk-weighted assets | 30,304,000 | 30,378,000 | 29,941,000 | 29,367,000 |