Call reports 2012
PSB BANK — 2012
What PSB 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 | 167,940,000 | 168,026,000 | 173,319,000 | 184,117,000 |
| Total loans | 124,855,000 | 127,797,000 | 125,327,000 | 127,301,000 |
| Allowance for loan losses | 1,611,000 | 1,581,000 | 1,606,000 | 1,195,000 |
| Securities available for sale | 25,249,000 | 25,212,000 | 27,098,000 | 37,978,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,071,000 | 150,383,000 | 154,860,000 | 165,582,000 |
| Interest-bearing deposits | 125,331,000 | 123,931,000 | 127,115,000 | 132,179,000 |
| Noninterest-bearing deposits | 25,740,000 | 26,452,000 | 27,745,000 | 33,403,000 |
| Equity capital | 16,303,000 | 16,880,000 | 17,426,000 | 17,168,000 |
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 | 1,898,000 | 3,830,000 | 5,777,000 | 7,694,000 |
| Interest expense | 335,000 | 648,000 | 958,000 | 1,253,000 |
| Net interest income | 1,563,000 | 3,182,000 | 4,819,000 | 6,441,000 |
| Noninterest income | 252,000 | 522,000 | 801,000 | 1,053,000 |
| Noninterest expense | 1,309,000 | 2,593,000 | 3,901,000 | 5,462,000 |
| Provision for loan losses | 64,000 | 64,000 | 104,000 | 179,000 |
| Pretax income | 659,000 | 1,264,000 | 1,832,000 | 2,361,000 |
| Income tax | 206,000 | 388,000 | 555,000 | 686,000 |
| Net income | 453,000 | 876,000 | 1,277,000 | 1,675,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,868,000 | 16,291,000 | 16,692,000 | 16,814,000 |
| Total capital | 17,282,000 | 17,777,000 | 18,192,000 | 18,009,000 |
| Risk-weighted assets | 114,079,000 | 118,814,000 | 119,869,000 | 124,171,000 |