Call reports 2012
PASSUMPSIC SAVINGS BANK — 2012
What PASSUMPSIC SAVINGS 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 | 558,808,000 | 569,206,000 | 577,812,000 | 579,877,000 |
| Total loans | 428,096,000 | 428,099,000 | 433,819,000 | 422,596,000 |
| Allowance for loan losses | 6,570,000 | 7,154,000 | 6,988,000 | 5,064,000 |
| Securities available for sale | 54,515,000 | 51,157,000 | 50,673,000 | 54,079,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 449,544,000 | 456,781,000 | 462,485,000 | 468,210,000 |
| Interest-bearing deposits | 400,469,000 | 404,584,000 | 409,751,000 | 418,410,000 |
| Noninterest-bearing deposits | 49,075,000 | 52,197,000 | 52,734,000 | 49,800,000 |
| Equity capital | 60,270,000 | 61,081,000 | 62,584,000 | 63,122,000 |
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 | 5,975,000 | 11,829,000 | 17,820,000 | 23,624,000 |
| Interest expense | 1,294,000 | 2,569,000 | 3,815,000 | 5,030,000 |
| Net interest income | 4,681,000 | 9,260,000 | 14,005,000 | 18,594,000 |
| Noninterest income | 1,603,000 | 3,742,000 | 5,970,000 | 8,771,000 |
| Noninterest expense | 5,322,000 | 10,826,000 | 16,210,000 | 22,004,000 |
| Provision for loan losses | 300,000 | 600,000 | 750,000 | 1,400,000 |
| Pretax income | 724,000 | 1,638,000 | 3,340,000 | 4,306,000 |
| Income tax | 96,000 | 261,000 | 697,000 | 872,000 |
| Net income | 628,000 | 1,377,000 | 2,643,000 | 3,434,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,716,000 | 43,390,000 | 44,853,000 | 45,582,000 |
| Total capital | 47,749,000 | 48,367,000 | 49,854,000 | 50,444,000 |
| Risk-weighted assets | 384,838,000 | 383,170,000 | 386,918,000 | 377,603,000 |