Call reports 2012
PENINSULA BANK, THE — 2012
What PENINSULA BANK, 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 | 141,091,000 | 136,061,000 | 140,230,000 | 131,018,000 |
| Total loans | 93,498,000 | 89,853,000 | 87,728,000 | 83,790,000 |
| Allowance for loan losses | 2,006,000 | 2,171,000 | 2,252,000 | 2,008,000 |
| Securities available for sale | 15,165,000 | 16,796,000 | 17,092,000 | 15,072,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,435,000 | 115,071,000 | 119,057,000 | 110,483,000 |
| Interest-bearing deposits | 107,478,000 | 103,531,000 | 105,747,000 | 99,103,000 |
| Noninterest-bearing deposits | 10,957,000 | 11,540,000 | 13,310,000 | 11,380,000 |
| Equity capital | 16,607,000 | 16,681,000 | 16,799,000 | 16,797,000 |
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 | 1,500,000 | 2,951,000 | 4,313,000 | 5,645,000 |
| Interest expense | 242,000 | 437,000 | 613,000 | 773,000 |
| Net interest income | 1,258,000 | 2,514,000 | 3,700,000 | 4,872,000 |
| Noninterest income | 189,000 | 396,000 | 587,000 | 780,000 |
| Noninterest expense | 1,006,000 | 1,997,000 | 3,094,000 | 4,242,000 |
| Provision for loan losses | 165,000 | 330,000 | 450,000 | 560,000 |
| Pretax income | 276,000 | 583,000 | 743,000 | 850,000 |
| Income tax | 75,000 | 213,000 | 276,000 | 211,000 |
| Net income | 201,000 | 370,000 | 467,000 | 639,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,377,000 | 16,396,000 | 16,493,000 | 16,516,000 |
| Total capital | 17,514,000 | 17,496,000 | 17,581,000 | 17,551,000 |
| Risk-weighted assets | 90,083,000 | 86,943,000 | 85,853,000 | 81,846,000 |