Call reports 2012
PEOPLES FEDERAL SAVINGS AND LOAN ASSOCIATION — 2012
What PEOPLES FEDERAL SAVINGS AND LOAN ASSOCIATION 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 | 135,014,000 | 129,234,000 | 128,061,000 | 128,931,000 |
| Total loans | 109,085,000 | 106,245,000 | 102,741,000 | 97,215,000 |
| Allowance for loan losses | 1,106,000 | 1,178,000 | 1,233,000 | 920,000 |
| Securities available for sale | 2,089,000 | 2,070,000 | 2,053,000 | 2,034,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,404,000 | 101,014,000 | 99,862,000 | 100,779,000 |
| Interest-bearing deposits | 97,458,000 | 98,149,000 | 97,155,000 | 98,081,000 |
| Noninterest-bearing deposits | 2,946,000 | 2,865,000 | 2,707,000 | 2,698,000 |
| Equity capital | 15,267,000 | 14,968,000 | 15,116,000 | 15,284,000 |
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 | 1,616,000 | 3,162,000 | 4,664,000 | 6,114,000 |
| Interest expense | 411,000 | 768,000 | 1,085,000 | 1,385,000 |
| Net interest income | 1,205,000 | 2,394,000 | 3,579,000 | 4,729,000 |
| Noninterest income | -2,000 | 58,000 | 51,000 | 55,000 |
| Noninterest expense | 874,000 | 1,784,000 | 2,649,000 | 3,503,000 |
| Provision for loan losses | 56,000 | 830,000 | 901,000 | 927,000 |
| Pretax income | 273,000 | -162,000 | 80,000 | 354,000 |
| Income tax | 93,000 | -55,000 | 28,000 | 122,000 |
| Net income | 180,000 | -107,000 | 52,000 | 232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,209,000 | 14,921,000 | 15,081,000 | 15,261,000 |
| Total capital | 16,218,000 | 15,913,000 | 16,046,000 | 16,181,000 |
| Risk-weighted assets | 80,611,000 | 79,165,000 | 76,918,000 | 73,935,000 |