Call reports 2012
PICKENS SAVINGS AND LOAN ASSOCIATION, FEDERAL ASSOCIATION — 2012
What PICKENS SAVINGS AND LOAN ASSOCIATION, FEDERAL 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 | 100,852,000 | 100,656,000 | 99,030,000 | 96,639,000 |
| Total loans | 75,496,000 | 72,078,000 | 69,884,000 | 68,128,000 |
| Allowance for loan losses | 1,192,000 | 1,251,000 | 1,332,000 | 1,392,000 |
| Securities available for sale | 8,034,000 | 17,329,000 | 19,375,000 | 20,315,000 |
| Securities held to maturity | 8,898,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,279,000 | 80,878,000 | 79,694,000 | 78,461,000 |
| Interest-bearing deposits | 78,349,000 | 78,896,000 | 77,818,000 | 76,840,000 |
| Noninterest-bearing deposits | 1,930,000 | 1,982,000 | 1,876,000 | 1,621,000 |
| Equity capital | 8,312,000 | 8,511,000 | 8,543,000 | 8,612,000 |
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 | 1,139,000 | 2,248,000 | 3,286,000 | 4,303,000 |
| Interest expense | 337,000 | 601,000 | 845,000 | 1,062,000 |
| Net interest income | 802,000 | 1,647,000 | 2,441,000 | 3,241,000 |
| Noninterest income | 75,000 | 131,000 | 93,000 | 201,000 |
| Noninterest expense | 619,000 | 1,270,000 | 1,913,000 | 2,613,000 |
| Provision for loan losses | 120,000 | 510,000 | 665,000 | 743,000 |
| Pretax income | 138,000 | -1,000 | -43,000 | 84,000 |
| Income tax | 17,000 | -55,000 | -92,000 | -68,000 |
| Net income | 121,000 | 54,000 | 49,000 | 152,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,195,000 | 8,129,000 | 8,123,000 | 8,226,000 |
| Total capital | 9,086,000 | 8,970,000 | 8,948,000 | 9,008,000 |
| Risk-weighted assets | 71,020,000 | 66,926,000 | 65,567,000 | 61,980,000 |