Call reports 2011
FIRST PERSONAL BANK — 2011
What FIRST PERSONAL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 178,867,000 | 169,174,000 | 166,696,000 | 167,695,000 |
| Total loans | 117,830,000 | 115,342,000 | 113,252,000 | 109,006,000 |
| Allowance for loan losses | 3,325,000 | 3,270,000 | 3,100,000 | 2,917,000 |
| Securities available for sale | 12,344,000 | 13,141,000 | 12,117,000 | 12,405,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,580,000 | 156,479,000 | 153,582,000 | 153,940,000 |
| Interest-bearing deposits | 149,205,000 | 146,338,000 | 141,607,000 | 142,393,000 |
| Noninterest-bearing deposits | 9,375,000 | 10,141,000 | 11,975,000 | 11,547,000 |
| Equity capital | 11,825,000 | 11,844,000 | 12,015,000 | 12,704,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,894,000 | 3,728,000 | 5,514,000 | 7,944,000 |
| Interest expense | 515,000 | 1,005,000 | 1,288,000 | 1,535,000 |
| Net interest income | 1,379,000 | 2,723,000 | 4,226,000 | 6,409,000 |
| Noninterest income | 99,000 | 207,000 | 304,000 | 391,000 |
| Noninterest expense | 1,318,000 | 2,783,000 | 4,009,000 | 5,149,000 |
| Provision for loan losses | 50,000 | 125,000 | 245,000 | 245,000 |
| Pretax income | 110,000 | 22,000 | 276,000 | 1,406,000 |
| Income tax | 50,000 | 4,000 | 91,000 | 497,000 |
| Net income | 60,000 | 18,000 | 185,000 | 909,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,435,000 | 9,379,000 | 9,919,000 | 11,137,000 |
| Total capital | 10,825,000 | 10,758,000 | 11,261,000 | 12,424,000 |
| Risk-weighted assets | 109,225,000 | 108,434,000 | 105,594,000 | 101,358,000 |