Call reports 2012
PEOPLES FEDERAL SAVINGS BANK — 2012
What PEOPLES FEDERAL SAVINGS 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 | 557,302,000 | 559,142,000 | 570,254,000 | 576,763,000 |
| Total loans | 424,977,000 | 436,881,000 | 454,925,000 | 456,524,000 |
| Allowance for loan losses | 3,566,000 | 3,726,000 | 3,891,000 | 4,007,000 |
| Securities available for sale | 28,246,000 | 24,739,000 | 21,653,000 | 13,340,000 |
| Securities held to maturity | 30,829,000 | 28,615,000 | 25,921,000 | 23,178,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 438,881,000 | 439,828,000 | 441,851,000 | 447,616,000 |
| Interest-bearing deposits | 370,732,000 | 370,247,000 | 371,201,000 | 376,417,000 |
| Noninterest-bearing deposits | 68,149,000 | 69,581,000 | 70,650,000 | 71,199,000 |
| Equity capital | 82,921,000 | 83,934,000 | 84,015,000 | 85,152,000 |
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 | 5,071,000 | 10,096,000 | 15,164,000 | 20,190,000 |
| Interest expense | 869,000 | 1,731,000 | 2,555,000 | 3,360,000 |
| Net interest income | 4,202,000 | 8,365,000 | 12,609,000 | 16,830,000 |
| Noninterest income | 413,000 | 849,000 | 1,407,000 | 1,887,000 |
| Noninterest expense | 3,125,000 | 6,124,000 | 9,228,000 | 12,020,000 |
| Provision for loan losses | 125,000 | 250,000 | 415,000 | 535,000 |
| Pretax income | 1,365,000 | 2,840,000 | 4,373,000 | 6,162,000 |
| Income tax | 484,000 | 1,034,000 | 2,604,000 | 3,305,000 |
| Net income | 881,000 | 1,806,000 | 1,769,000 | 2,857,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 82,862,000 | 83,857,000 | 83,891,000 | 85,049,000 |
| Total capital | 86,428,000 | 87,583,000 | 87,782,000 | 89,056,000 |
| Risk-weighted assets | 353,444,000 | 357,022,000 | 363,879,000 | 360,342,000 |