Call reports 2012
ARMSTRONG COUNTY BUILDING AND LOAN ASSOCIATION — 2012
What ARMSTRONG COUNTY BUILDING AND LOAN 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 | 86,607,000 | 86,802,000 | 86,650,000 | 86,798,000 |
| Total loans | 46,585,000 | 47,252,000 | 49,062,000 | 49,599,000 |
| Allowance for loan losses | 231,000 | 225,000 | 199,000 | 199,000 |
| Securities available for sale | 5,214,000 | 5,178,000 | 5,207,000 | 5,164,000 |
| Securities held to maturity | 31,701,000 | 29,508,000 | 29,898,000 | 28,210,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,727,000 | 74,808,000 | 74,503,000 | 73,702,000 |
| Interest-bearing deposits | 74,727,000 | 74,808,000 | 74,503,000 | 73,702,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 11,803,000 | 11,899,000 | 11,987,000 | 12,007,000 |
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 | 800,000 | 1,672,000 | 2,565,000 | 3,386,000 |
| Interest expense | 500,000 | 990,000 | 1,475,000 | 1,937,000 |
| Net interest income | 300,000 | 682,000 | 1,090,000 | 1,449,000 |
| Noninterest income | 13,000 | 25,000 | 38,000 | 51,000 |
| Noninterest expense | 252,000 | 488,000 | 729,000 | 985,000 |
| Provision for loan losses | 9,000 | 18,000 | 18,000 | 18,000 |
| Pretax income | 52,000 | 201,000 | 381,000 | 497,000 |
| Income tax | 30,000 | 60,000 | 113,000 | 181,000 |
| Net income | 22,000 | 141,000 | 268,000 | 316,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,616,000 | 11,736,000 | 11,805,000 | 11,853,000 |
| Total capital | 11,974,000 | 11,961,000 | 12,004,000 | 12,052,000 |
| Risk-weighted assets | 47,515,000 | 47,384,000 | 48,010,000 | 48,907,000 |