Call reports 2012
PHELPS COUNTY BANK — 2012
What PHELPS COUNTY 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 | 305,959,000 | 305,461,000 | 313,808,000 | 315,175,000 |
| Total loans | 164,343,000 | 164,483,000 | 166,322,000 | 168,366,000 |
| Allowance for loan losses | 1,765,000 | 1,758,000 | 1,767,000 | 1,812,000 |
| Securities available for sale | 128,233,000 | 125,912,000 | 134,635,000 | 126,266,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 274,005,000 | 272,295,000 | 271,245,000 | 283,114,000 |
| Interest-bearing deposits | 235,801,000 | 233,254,000 | 229,921,000 | 243,969,000 |
| Noninterest-bearing deposits | 38,204,000 | 39,041,000 | 41,324,000 | 39,145,000 |
| Equity capital | 23,555,000 | 24,836,000 | 25,489,000 | 25,891,000 |
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 | 3,090,000 | 6,251,000 | 9,381,000 | 12,438,000 |
| Interest expense | 556,000 | 1,099,000 | 1,501,000 | 1,886,000 |
| Net interest income | 2,534,000 | 5,152,000 | 7,880,000 | 10,552,000 |
| Noninterest income | 687,000 | 1,445,000 | 2,065,000 | 2,766,000 |
| Noninterest expense | 2,165,000 | 4,460,000 | 6,690,000 | 9,155,000 |
| Provision for loan losses | 75,000 | 115,000 | 210,000 | 365,000 |
| Pretax income | 1,104,000 | 2,264,000 | 3,340,000 | 4,132,000 |
| Income tax | 6,000 | 6,000 | 6,000 | 6,000 |
| Net income | 1,098,000 | 2,258,000 | 3,334,000 | 4,126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,264,000 | 21,424,000 | 21,750,000 | 22,659,000 |
| Total capital | 23,029,000 | 23,182,000 | 23,517,000 | 24,471,000 |
| Risk-weighted assets | 146,859,000 | 147,076,000 | 149,306,000 | 149,072,000 |