Call reports 2012
PERSONS BANKING COMPANY — 2012
What PERSONS BANKING COMPANY 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 | 64,499,000 | 64,781,000 | 64,337,000 | 65,588,000 |
| Total loans | 43,293,000 | 42,143,000 | 41,972,000 | 39,776,000 |
| Allowance for loan losses | 1,097,000 | 1,088,000 | 1,088,000 | 1,042,000 |
| Securities available for sale | 7,723,000 | 8,879,000 | 8,695,000 | 8,195,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,481,000 | 59,596,000 | 59,186,000 | 60,414,000 |
| Interest-bearing deposits | 47,158,000 | 46,734,000 | 46,630,000 | 45,625,000 |
| Noninterest-bearing deposits | 12,323,000 | 12,862,000 | 12,556,000 | 14,789,000 |
| Equity capital | 4,868,000 | 5,003,000 | 4,964,000 | 5,067,000 |
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 | 669,000 | 1,313,000 | 1,948,000 | 2,538,000 |
| Interest expense | 92,000 | 170,000 | 241,000 | 302,000 |
| Net interest income | 577,000 | 1,143,000 | 1,707,000 | 2,236,000 |
| Noninterest income | 129,000 | 241,000 | 199,000 | 346,000 |
| Noninterest expense | 584,000 | 1,190,000 | 1,757,000 | 2,339,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 107,000 | 208,000 | 163,000 | 303,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 107,000 | 208,000 | 163,000 | 303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,792,000 | 4,893,000 | 4,848,000 | 4,988,000 |
| Total capital | 5,370,000 | 5,454,000 | 5,403,000 | 5,519,000 |
| Risk-weighted assets | 45,722,000 | 44,409,000 | 43,878,000 | 41,941,000 |
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