Call reports 2012
PAPER CITY SAVINGS BANK, S.A. — 2012
What PAPER CITY SAVINGS BANK, S.A. 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 | 158,883,000 | 159,532,000 | 160,022,000 | 159,476,000 |
| Total loans | 124,301,000 | 123,369,000 | 122,098,000 | 123,949,000 |
| Allowance for loan losses | 654,000 | 707,000 | 655,000 | 660,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,681,000 | 5,979,000 | 5,205,000 | 5,954,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,944,000 | 143,316,000 | 143,408,000 | 141,735,000 |
| Interest-bearing deposits | 138,953,000 | 139,469,000 | 138,888,000 | 137,307,000 |
| Noninterest-bearing deposits | 3,991,000 | 3,847,000 | 4,520,000 | 4,428,000 |
| Equity capital | 14,945,000 | 15,254,000 | 15,539,000 | 15,881,000 |
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 | 1,580,000 | 3,113,000 | 4,609,000 | 6,058,000 |
| Interest expense | 403,000 | 777,000 | 1,131,000 | 1,465,000 |
| Net interest income | 1,177,000 | 2,336,000 | 3,478,000 | 4,593,000 |
| Noninterest income | 278,000 | 591,000 | 1,030,000 | 1,410,000 |
| Noninterest expense | 886,000 | 1,735,000 | 2,585,000 | 3,500,000 |
| Provision for loan losses | 60,000 | 167,000 | 427,000 | 437,000 |
| Pretax income | 509,000 | 1,025,000 | 1,496,000 | 2,066,000 |
| Income tax | 202,000 | 409,000 | 596,000 | 823,000 |
| Net income | 307,000 | 616,000 | 900,000 | 1,243,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,903,000 | 15,212,000 | 15,497,000 | 15,839,000 |
| Total capital | 15,557,000 | 15,919,000 | 16,152,000 | 16,499,000 |
| Risk-weighted assets | 91,703,000 | 88,649,000 | 87,458,000 | 88,061,000 |