Call reports 2012
WPS COMMUNITY BANK, FSB — 2012
What WPS COMMUNITY BANK, FSB 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 | 61,090,000 | 58,957,000 | 67,842,000 | 72,633,000 |
| Total loans | 45,797,000 | 48,371,000 | 61,610,000 | 62,446,000 |
| Allowance for loan losses | 449,000 | 501,000 | 593,000 | 645,000 |
| Securities available for sale | 7,619,000 | 5,044,000 | 4,801,000 | 4,613,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,209,000 | 50,034,000 | 52,807,000 | 57,700,000 |
| Interest-bearing deposits | 46,291,000 | 43,966,000 | 46,379,000 | 49,224,000 |
| Noninterest-bearing deposits | 5,918,000 | 6,068,000 | 6,428,000 | 8,476,000 |
| Equity capital | 8,619,000 | 8,607,000 | 8,641,000 | 8,663,000 |
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 | 651,000 | 1,289,000 | 1,993,000 | 2,743,000 |
| Interest expense | 104,000 | 207,000 | 311,000 | 418,000 |
| Net interest income | 547,000 | 1,082,000 | 1,682,000 | 2,325,000 |
| Noninterest income | 219,000 | 316,000 | 465,000 | 593,000 |
| Noninterest expense | 708,000 | 1,353,000 | 1,957,000 | 2,616,000 |
| Provision for loan losses | 53,000 | 105,000 | 197,000 | 249,000 |
| Pretax income | 5,000 | 17,000 | 70,000 | 130,000 |
| Income tax | 2,000 | 7,000 | 28,000 | 52,000 |
| Net income | 3,000 | 10,000 | 42,000 | 78,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,516,000 | 8,523,000 | 8,555,000 | 8,591,000 |
| Total capital | 8,965,000 | 9,024,000 | 9,148,000 | 9,236,000 |
| Risk-weighted assets | 41,767,000 | 43,555,000 | 56,859,000 | 56,703,000 |