Call reports 2012
AMERICAN PERSPECTIVE BANK — 2012
What AMERICAN PERSPECTIVE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 |
|---|---|---|
| Total assets | 263,633,000 | 271,037,000 |
| Total loans | 187,959,000 | 199,364,000 |
| Allowance for loan losses | 3,569,000 | 3,836,000 |
| Securities available for sale | 67,696,000 | 63,370,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 213,426,000 | 220,159,000 |
| Interest-bearing deposits | 174,162,000 | 182,820,000 |
| Noninterest-bearing deposits | 39,264,000 | 37,339,000 |
| Equity capital | 43,859,000 | 43,074,000 |
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 |
|---|---|---|
| Interest income | 3,001,000 | 6,079,000 |
| Interest expense | 421,000 | 805,000 |
| Net interest income | 2,580,000 | 5,274,000 |
| Noninterest income | 84,000 | 526,000 |
| Noninterest expense | 1,618,000 | 4,894,000 |
| Provision for loan losses | 277,000 | 544,000 |
| Pretax income | 769,000 | 362,000 |
| Income tax | 307,000 | 845,000 |
| Net income | 462,000 | -483,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 |
|---|---|---|
| Tier 1 capital | 43,392,000 | 42,512,000 |
| Total capital | 45,888,000 | 45,167,000 |
| Risk-weighted assets | 198,539,000 | 211,167,000 |