Call reports 2014
FIRST PERSONAL BANK — 2014
What FIRST PERSONAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 165,539,000 | 164,925,000 | 162,844,000 | 164,406,000 |
| Total loans | 94,445,000 | 96,397,000 | 96,484,000 | 94,351,000 |
| Allowance for loan losses | 1,727,000 | 1,767,000 | 1,782,000 | 1,686,000 |
| Securities available for sale | 20,056,000 | 22,123,000 | 21,144,000 | 22,135,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,395,000 | 150,530,000 | 148,324,000 | 149,643,000 |
| Interest-bearing deposits | 137,306,000 | 135,422,000 | 135,006,000 | 135,275,000 |
| Noninterest-bearing deposits | 14,089,000 | 15,108,000 | 13,318,000 | 14,368,000 |
| Equity capital | 13,288,000 | 13,521,000 | 13,680,000 | 13,952,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,429,000 | 2,849,000 | 4,249,000 | 5,650,000 |
| Interest expense | 118,000 | 229,000 | 337,000 | 444,000 |
| Net interest income | 1,311,000 | 2,620,000 | 3,912,000 | 5,206,000 |
| Noninterest income | 120,000 | 261,000 | 382,000 | 547,000 |
| Noninterest expense | 1,062,000 | 2,256,000 | 3,437,000 | 4,646,000 |
| Provision for loan losses | 20,000 | 20,000 | 20,000 | -80,000 |
| Pretax income | 349,000 | 605,000 | 837,000 | 1,209,000 |
| Income tax | 124,000 | 211,000 | 290,000 | 420,000 |
| Net income | 225,000 | 394,000 | 547,000 | 789,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,230,000 | 12,533,000 | 12,804,000 | 13,217,000 |
| Total capital | 13,366,000 | 13,692,000 | 13,949,000 | 14,351,000 |
| Risk-weighted assets | 90,301,000 | 92,128,000 | 90,980,000 | 90,139,000 |
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