Call reports 2012
FIRST PERSONAL BANK — 2012
What FIRST PERSONAL 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 | 170,350,000 | 170,318,000 | 170,612,000 | 170,467,000 |
| Total loans | 105,022,000 | 103,491,000 | 101,991,000 | 100,267,000 |
| Allowance for loan losses | 2,874,000 | 2,823,000 | 2,608,000 | 2,463,000 |
| Securities available for sale | 13,716,000 | 14,920,000 | 15,070,000 | 17,204,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,865,000 | 156,624,000 | 157,054,000 | 156,652,000 |
| Interest-bearing deposits | 145,163,000 | 145,177,000 | 144,141,000 | 143,067,000 |
| Noninterest-bearing deposits | 11,702,000 | 11,447,000 | 12,913,000 | 13,585,000 |
| Equity capital | 12,850,000 | 12,882,000 | 12,803,000 | 12,700,000 |
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 | 1,656,000 | 3,294,000 | 4,850,000 | 6,430,000 |
| Interest expense | 231,000 | 440,000 | 633,000 | 809,000 |
| Net interest income | 1,425,000 | 2,854,000 | 4,217,000 | 5,621,000 |
| Noninterest income | 87,000 | 39,000 | 121,000 | 176,000 |
| Noninterest expense | 1,263,000 | 2,544,000 | 4,126,000 | 5,697,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 50,000 |
| Pretax income | 199,000 | 299,000 | 162,000 | 50,000 |
| Income tax | 68,000 | 96,000 | 36,000 | -16,000 |
| Net income | 131,000 | 203,000 | 126,000 | 66,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,219,000 | 11,305,000 | 11,291,000 | 11,031,000 |
| Total capital | 12,458,000 | 12,541,000 | 12,512,000 | 12,232,000 |
| Risk-weighted assets | 97,462,000 | 97,305,000 | 96,278,000 | 94,850,000 |