Call reports 2012
PREFERRED COMMUNITY BANK — 2012
What PREFERRED 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 | 78,942,000 | 74,893,000 | 76,641,000 | 73,297,000 |
| Total loans | 43,382,000 | 44,604,000 | 47,139,000 | 49,902,000 |
| Allowance for loan losses | 1,192,000 | 1,250,000 | 1,082,000 | 1,083,000 |
| Securities available for sale | 14,446,000 | 11,882,000 | 15,851,000 | 10,504,000 |
| Securities held to maturity | 5,686,000 | 6,308,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,519,000 | 65,226,000 | 66,717,000 | 62,216,000 |
| Interest-bearing deposits | 63,648,000 | 60,394,000 | 62,115,000 | 56,905,000 |
| Noninterest-bearing deposits | 4,871,000 | 4,832,000 | 4,602,000 | 5,311,000 |
| Equity capital | 7,802,000 | 7,555,000 | 7,766,000 | 8,991,000 |
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 | 736,000 | 1,516,000 | 2,155,000 | 2,885,000 |
| Interest expense | 206,000 | 395,000 | 583,000 | 760,000 |
| Net interest income | 530,000 | 1,121,000 | 1,572,000 | 2,125,000 |
| Noninterest income | 74,000 | 146,000 | 176,000 | 293,000 |
| Noninterest expense | 1,125,000 | 2,274,000 | 2,815,000 | 3,447,000 |
| Provision for loan losses | 289,000 | 392,000 | 392,000 | 392,000 |
| Pretax income | -722,000 | -1,276,000 | -1,139,000 | -1,014,000 |
| Income tax | -271,000 | -479,000 | -428,000 | -381,000 |
| Net income | -451,000 | -797,000 | -711,000 | -633,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,308,000 | 4,802,000 | 4,903,000 | 6,277,000 |
| Total capital | 5,836,000 | 5,325,000 | 5,425,000 | 6,860,000 |
| Risk-weighted assets | 47,542,000 | 47,330,000 | 46,361,000 | 48,531,000 |