Call reports 2012
PINELAND STATE BANK — 2012
What PINELAND STATE 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 | 58,298,000 | 56,868,000 | 56,118,000 | 63,081,000 |
| Total loans | 32,281,000 | 33,495,000 | 34,175,000 | 34,467,000 |
| Allowance for loan losses | 722,000 | 852,000 | 836,000 | 915,000 |
| Securities available for sale | 3,094,000 | 2,228,000 | 2,161,000 | 2,861,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,583,000 | 51,244,000 | 50,444,000 | 57,312,000 |
| Interest-bearing deposits | 43,167,000 | 42,938,000 | 42,091,000 | 43,710,000 |
| Noninterest-bearing deposits | 9,416,000 | 8,306,000 | 8,353,000 | 13,602,000 |
| Equity capital | 5,478,000 | 5,402,000 | 5,422,000 | 5,526,000 |
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 | 575,000 | 1,132,000 | 1,718,000 | 2,295,000 |
| Interest expense | 94,000 | 179,000 | 262,000 | 339,000 |
| Net interest income | 481,000 | 953,000 | 1,456,000 | 1,956,000 |
| Noninterest income | 23,000 | 124,000 | 152,000 | 285,000 |
| Noninterest expense | 464,000 | 967,000 | 1,457,000 | 1,971,000 |
| Provision for loan losses | 75,000 | 276,000 | 296,000 | 251,000 |
| Pretax income | -35,000 | -166,000 | -145,000 | 19,000 |
| Income tax | -15,000 | -66,000 | -61,000 | -9,000 |
| Net income | -20,000 | -100,000 | -84,000 | 28,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,122,000 | 4,904,000 | 4,882,000 | 5,118,000 |
| Total capital | 5,569,000 | 5,364,000 | 5,348,000 | 5,579,000 |
| Risk-weighted assets | 35,450,000 | 36,398,000 | 36,890,000 | 36,456,000 |