Call reports 2012
MALAGA BANK, FSB — 2012
What MALAGA BANK, FSB 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 | 832,203,000 | 831,895,000 | 834,699,000 | 850,252,000 |
| Total loans | 798,067,000 | 793,593,000 | 790,125,000 | 782,440,000 |
| Allowance for loan losses | 2,920,000 | 2,920,000 | 2,817,000 | 2,762,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 556,475,000 | 564,695,000 | 575,023,000 | 605,758,000 |
| Interest-bearing deposits | 495,607,000 | 497,075,000 | 508,499,000 | 536,891,000 |
| Noninterest-bearing deposits | 60,868,000 | 67,620,000 | 66,524,000 | 68,867,000 |
| Equity capital | 104,702,000 | 107,040,000 | 109,021,000 | 110,996,000 |
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 | 10,147,000 | 20,208,000 | 29,652,000 | 39,193,000 |
| Interest expense | 2,174,000 | 4,187,000 | 6,161,000 | 8,004,000 |
| Net interest income | 7,973,000 | 16,021,000 | 23,491,000 | 31,189,000 |
| Noninterest income | 149,000 | 315,000 | 447,000 | 582,000 |
| Noninterest expense | 2,533,000 | 5,073,000 | 7,738,000 | 10,393,000 |
| Provision for loan losses | 14,000 | -2,000 | -141,000 | -211,000 |
| Pretax income | 5,575,000 | 11,265,000 | 16,341,000 | 21,589,000 |
| Income tax | 2,322,000 | 4,691,000 | 6,803,000 | 9,093,000 |
| Net income | 3,253,000 | 6,574,000 | 9,538,000 | 12,496,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 104,702,000 | 107,040,000 | 109,021,000 | 110,996,000 |
| Total capital | 107,622,000 | 109,960,000 | 111,838,000 | 113,758,000 |
| Risk-weighted assets | 519,936,000 | 524,668,000 | 518,736,000 | 498,480,000 |