Call reports 2012
POLONIA BANK — 2012
What POLONIA 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 | 259,869,000 | 258,055,000 | 263,676,000 | 267,263,000 |
| Total loans | 146,316,000 | 138,770,000 | 147,537,000 | 150,862,000 |
| Allowance for loan losses | 1,300,000 | 1,247,000 | 1,214,000 | 1,508,000 |
| Securities available for sale | 16,520,000 | 16,449,000 | 15,878,000 | 16,139,000 |
| Securities held to maturity | 55,639,000 | 55,839,000 | 59,055,000 | 58,605,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,937,000 | 201,997,000 | 197,703,000 | 204,153,000 |
| Interest-bearing deposits | 197,514,000 | 195,744,000 | 192,169,000 | 196,542,000 |
| Noninterest-bearing deposits | 6,423,000 | 6,253,000 | 5,534,000 | 7,611,000 |
| Equity capital | 27,552,000 | 27,515,000 | 27,589,000 | 34,584,000 |
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 | 2,600,000 | 5,158,000 | 7,873,000 | 10,544,000 |
| Interest expense | 720,000 | 1,418,000 | 2,068,000 | 2,709,000 |
| Net interest income | 1,880,000 | 3,740,000 | 5,805,000 | 7,835,000 |
| Noninterest income | 291,000 | 636,000 | 1,489,000 | 2,772,000 |
| Noninterest expense | 1,933,000 | 4,059,000 | 6,933,000 | 9,942,000 |
| Provision for loan losses | 90,000 | 190,000 | 314,000 | 997,000 |
| Pretax income | 148,000 | 127,000 | 47,000 | -332,000 |
| Income tax | 47,000 | 36,000 | -5,000 | -137,000 |
| Net income | 101,000 | 91,000 | 52,000 | -195,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,192,000 | 27,182,000 | 27,143,000 | 34,176,000 |
| Total capital | 28,492,000 | 28,429,000 | 28,357,000 | 35,684,000 |
| Risk-weighted assets | 130,356,000 | 128,964,000 | 126,708,000 | 127,987,000 |