Call reports 2012
PORT RICHMOND SAVINGS — 2012
What PORT RICHMOND SAVINGS 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 | 63,687,000 | 64,816,000 | 65,660,000 | 67,749,000 |
| Total loans | 62,121,000 | 63,295,000 | 64,080,000 | 63,873,000 |
| Allowance for loan losses | 1,265,000 | 1,315,000 | 1,365,000 | 1,353,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,999,000 | 41,277,000 | 39,721,000 | 42,935,000 |
| Interest-bearing deposits | 38,805,000 | 38,689,000 | 37,618,000 | 39,817,000 |
| Noninterest-bearing deposits | 2,194,000 | 2,588,000 | 2,103,000 | 3,118,000 |
| Equity capital | 9,865,000 | 10,210,000 | 10,459,000 | 10,009,000 |
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 | 1,102,000 | 2,186,000 | 3,198,000 | 4,301,000 |
| Interest expense | 232,000 | 456,000 | 704,000 | 938,000 |
| Net interest income | 870,000 | 1,730,000 | 2,494,000 | 3,363,000 |
| Noninterest income | 32,000 | 58,000 | 85,000 | 103,000 |
| Noninterest expense | 408,000 | 835,000 | 1,264,000 | 2,355,000 |
| Provision for loan losses | 50,000 | 100,000 | 150,000 | 200,000 |
| Pretax income | 444,000 | 853,000 | 1,165,000 | 911,000 |
| Income tax | 63,000 | 126,000 | 189,000 | 385,000 |
| Net income | 381,000 | 727,000 | 976,000 | 526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,865,000 | 10,210,000 | 10,459,000 | 10,009,000 |
| Total capital | 10,343,000 | 10,700,000 | 10,960,000 | 10,515,000 |
| Risk-weighted assets | 36,669,000 | 37,633,000 | 38,558,000 | 38,884,000 |