Call reports 2012
PEOPLES FIRST SAVINGS BANK — 2012
What PEOPLES FIRST 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 | 52,449,000 | 56,314,000 | 56,164,000 | 56,287,000 |
| Total loans | 42,011,000 | 43,522,000 | 43,965,000 | 44,203,000 |
| Allowance for loan losses | 200,000 | 235,000 | 272,000 | 308,000 |
| Securities available for sale | 684,000 | 0 | 0 | 0 |
| Securities held to maturity | 1,389,000 | 1,390,000 | 1,391,000 | 1,392,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,308,000 | 41,108,000 | 40,873,000 | 40,873,000 |
| Interest-bearing deposits | 38,079,000 | 39,491,000 | 39,107,000 | 38,732,000 |
| Noninterest-bearing deposits | 1,229,000 | 1,617,000 | 1,766,000 | 2,141,000 |
| Equity capital | 5,990,000 | 6,027,000 | 6,073,000 | 6,165,000 |
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 | 592,000 | 1,212,000 | 1,814,000 | 2,446,000 |
| Interest expense | 127,000 | 259,000 | 388,000 | 515,000 |
| Net interest income | 465,000 | 953,000 | 1,426,000 | 1,931,000 |
| Noninterest income | 21,000 | 24,000 | 59,000 | 85,000 |
| Noninterest expense | 412,000 | 812,000 | 1,223,000 | 1,582,000 |
| Provision for loan losses | 36,000 | 72,000 | 108,000 | 144,000 |
| Pretax income | 38,000 | 91,000 | 152,000 | 288,000 |
| Income tax | 13,000 | 30,000 | 50,000 | 89,000 |
| Net income | 25,000 | 61,000 | 102,000 | 199,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,989,000 | 6,027,000 | 6,069,000 | 6,160,000 |
| Total capital | 6,189,000 | 6,262,000 | 6,341,000 | 6,468,000 |
| Risk-weighted assets | 28,300,000 | 28,610,000 | 30,931,000 | 31,473,000 |