Call reports 2012
PEOPLES FEDERAL SAVINGS BANK OF DEKALB COUNTY — 2012
What PEOPLES FEDERAL SAVINGS BANK OF DEKALB COUNTY 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 | 490,930,000 | 488,354,000 | 484,511,000 | 477,876,000 |
| Total loans | 217,135,000 | 220,706,000 | 224,631,000 | 232,459,000 |
| Allowance for loan losses | 2,358,000 | 2,396,000 | 2,329,000 | 2,420,000 |
| Securities available for sale | 225,958,000 | 220,094,000 | 210,806,000 | 196,588,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 372,632,000 | 367,359,000 | 365,258,000 | 361,895,000 |
| Interest-bearing deposits | 341,599,000 | 339,080,000 | 333,132,000 | 332,991,000 |
| Noninterest-bearing deposits | 31,033,000 | 28,279,000 | 32,126,000 | 28,904,000 |
| Equity capital | 57,001,000 | 57,730,000 | 58,260,000 | 57,840,000 |
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 | 4,490,000 | 8,940,000 | 13,176,000 | 17,289,000 |
| Interest expense | 1,359,000 | 2,778,000 | 4,000,000 | 5,129,000 |
| Net interest income | 3,131,000 | 6,162,000 | 9,176,000 | 12,160,000 |
| Noninterest income | 773,000 | 1,483,000 | 2,234,000 | 3,078,000 |
| Noninterest expense | 3,101,000 | 6,130,000 | 9,138,000 | 12,142,000 |
| Provision for loan losses | 81,000 | 162,000 | 242,000 | 337,000 |
| Pretax income | 746,000 | 1,652,000 | 2,471,000 | 3,221,000 |
| Income tax | 32,000 | 129,000 | 198,000 | 241,000 |
| Net income | 714,000 | 1,523,000 | 2,273,000 | 2,980,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,885,000 | 51,101,000 | 51,166,000 | 51,152,000 |
| Total capital | 53,243,000 | 53,497,000 | 53,495,000 | 53,572,000 |
| Risk-weighted assets | 241,445,000 | 238,346,000 | 242,688,000 | 243,130,000 |