Call reports 2012
STATE BANK OF PEARL CITY, THE — 2012
What STATE BANK OF PEARL CITY, THE 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 | 45,510,000 | 47,589,000 | 47,146,000 | 47,209,000 |
| Total loans | 22,380,000 | 22,803,000 | 22,423,000 | 22,763,000 |
| Allowance for loan losses | 234,000 | 236,000 | 245,000 | 227,000 |
| Securities available for sale | 17,219,000 | 17,685,000 | 17,901,000 | 17,168,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,613,000 | 42,439,000 | 41,924,000 | 42,035,000 |
| Interest-bearing deposits | 35,433,000 | 37,133,000 | 36,888,000 | 37,100,000 |
| Noninterest-bearing deposits | 5,180,000 | 5,306,000 | 5,036,000 | 4,935,000 |
| Equity capital | 4,742,000 | 5,009,000 | 5,068,000 | 5,055,000 |
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 | 533,000 | 1,087,000 | 1,613,000 | 2,135,000 |
| Interest expense | 113,000 | 219,000 | 315,000 | 403,000 |
| Net interest income | 420,000 | 868,000 | 1,298,000 | 1,732,000 |
| Noninterest income | 7,000 | 4,000 | 14,000 | 25,000 |
| Noninterest expense | 341,000 | 722,000 | 1,078,000 | 1,465,000 |
| Provision for loan losses | 42,000 | 53,000 | 63,000 | 75,000 |
| Pretax income | 44,000 | 97,000 | 173,000 | 236,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 44,000 | 97,000 | 173,000 | 236,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,657,000 | 4,710,000 | 4,726,000 | 4,765,000 |
| Total capital | 4,891,000 | 4,946,000 | 4,971,000 | 4,992,000 |
| Risk-weighted assets | 26,146,000 | 30,142,000 | 26,130,000 | 30,340,000 |