Call reports 2012
PLUS INTERNATIONAL BANK — 2012
What PLUS INTERNATIONAL 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 | 80,052,000 | 82,903,000 | 76,787,000 | 78,193,000 |
| Total loans | 47,683,000 | 49,173,000 | 46,208,000 | 45,398,000 |
| Allowance for loan losses | 364,000 | 300,000 | 257,000 | 206,000 |
| Securities available for sale | 24,642,000 | 24,361,000 | 19,313,000 | 24,832,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,158,000 | 69,913,000 | 63,631,000 | 64,515,000 |
| Interest-bearing deposits | 59,918,000 | 63,514,000 | 56,958,000 | 52,462,000 |
| Noninterest-bearing deposits | 7,240,000 | 6,399,000 | 6,672,000 | 12,053,000 |
| Equity capital | 12,776,000 | 12,873,000 | 12,862,000 | 12,921,000 |
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 | 885,000 | 1,821,000 | 2,737,000 | 3,735,000 |
| Interest expense | 168,000 | 331,000 | 477,000 | 614,000 |
| Net interest income | 717,000 | 1,490,000 | 2,260,000 | 3,121,000 |
| Noninterest income | 113,000 | 134,000 | 147,000 | 162,000 |
| Noninterest expense | 784,000 | 1,645,000 | 2,453,000 | 3,262,000 |
| Provision for loan losses | 0 | -77,000 | -138,000 | -194,000 |
| Pretax income | 114,000 | 132,000 | 231,000 | 394,000 |
| Income tax | 38,000 | 36,000 | 74,000 | 150,000 |
| Net income | 76,000 | 96,000 | 157,000 | 244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,494,000 | 12,499,000 | 12,505,000 | 12,651,000 |
| Total capital | 12,868,000 | 12,809,000 | 12,772,000 | 12,867,000 |
| Risk-weighted assets | 37,481,000 | 39,311,000 | 38,494,000 | 42,922,000 |