Call reports 2012
PISGAH COMMUNITY BANK — 2012
What PISGAH COMMUNITY 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 | 27,152,000 | 27,272,000 | 27,126,000 | 24,844,000 |
| Total loans | 17,704,000 | 16,821,000 | 16,254,000 | 14,405,000 |
| Allowance for loan losses | 1,933,000 | 1,475,000 | 1,445,000 | 1,344,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,462,000 | 26,617,000 | 26,466,000 | 24,198,000 |
| Interest-bearing deposits | 25,274,000 | 24,883,000 | 24,928,000 | 22,575,000 |
| Noninterest-bearing deposits | 1,188,000 | 1,734,000 | 1,538,000 | 1,623,000 |
| Equity capital | 598,000 | 562,000 | 539,000 | 562,000 |
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 | 217,000 | 437,000 | 646,000 | 810,000 |
| Interest expense | 84,000 | 164,000 | 240,000 | 323,000 |
| Net interest income | 133,000 | 273,000 | 406,000 | 487,000 |
| Noninterest income | -179,000 | -406,000 | -443,000 | -458,000 |
| Noninterest expense | 521,000 | 1,120,000 | 1,524,000 | 1,989,000 |
| Provision for loan losses | 0 | 0 | 1,000 | 1,000 |
| Pretax income | -567,000 | -1,253,000 | -1,562,000 | -1,961,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -567,000 | -1,253,000 | -1,562,000 | -1,961,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 598,000 | 562,000 | 539,000 | 562,000 |
| Total capital | 852,000 | 817,000 | 787,000 | 781,000 |
| Risk-weighted assets | 18,677,000 | 19,202,000 | 18,644,000 | 16,386,000 |