Call reports 2013
FIRST PERSONAL BANK — 2013
What FIRST PERSONAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 168,501,000 | 168,165,000 | 167,123,000 | 165,791,000 |
| Total loans | 99,227,000 | 96,360,000 | 95,330,000 | 92,043,000 |
| Allowance for loan losses | 2,439,000 | 2,331,000 | 2,076,000 | 1,652,000 |
| Securities available for sale | 17,527,000 | 20,122,000 | 20,204,000 | 19,969,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,885,000 | 154,469,000 | 153,126,000 | 151,993,000 |
| Interest-bearing deposits | 143,764,000 | 142,058,000 | 141,719,000 | 139,729,000 |
| Noninterest-bearing deposits | 11,121,000 | 12,411,000 | 11,407,000 | 12,264,000 |
| Equity capital | 12,879,000 | 12,857,000 | 12,959,000 | 12,974,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,528,000 | 2,963,000 | 4,362,000 | 5,805,000 |
| Interest expense | 164,000 | 318,000 | 458,000 | 590,000 |
| Net interest income | 1,364,000 | 2,645,000 | 3,904,000 | 5,215,000 |
| Noninterest income | 50,000 | 256,000 | 413,000 | 492,000 |
| Noninterest expense | 1,166,000 | 2,410,000 | 3,615,000 | 4,885,000 |
| Provision for loan losses | 0 | 0 | -90,000 | -90,000 |
| Pretax income | 248,000 | 491,000 | 792,000 | 912,000 |
| Income tax | 87,000 | 169,000 | 274,000 | 310,000 |
| Net income | 161,000 | 322,000 | 518,000 | 602,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,064,000 | 11,402,000 | 11,786,000 | 11,814,000 |
| Total capital | 12,251,000 | 12,587,000 | 12,956,000 | 12,920,000 |
| Risk-weighted assets | 93,683,000 | 93,621,000 | 92,727,000 | 87,944,000 |