Call reports 2012
PEOPLES STATE BANK OF MUNISING — 2012
What PEOPLES STATE BANK OF MUNISING 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 | 120,172,000 | 118,986,000 | 122,047,000 | 119,096,000 |
| Total loans | 73,249,000 | 71,632,000 | 73,406,000 | 73,013,000 |
| Allowance for loan losses | 1,168,000 | 1,258,000 | 1,358,000 | 1,448,000 |
| Securities available for sale | 34,181,000 | 33,359,000 | 34,701,000 | 31,308,000 |
| Securities held to maturity | 216,000 | 192,000 | 192,000 | 192,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,753,000 | 90,452,000 | 93,607,000 | 90,855,000 |
| Interest-bearing deposits | 79,168,000 | 76,604,000 | 77,348,000 | 75,489,000 |
| Noninterest-bearing deposits | 12,585,000 | 13,848,000 | 16,259,000 | 15,366,000 |
| Equity capital | 15,560,000 | 15,724,000 | 15,516,000 | 15,341,000 |
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 | 1,547,000 | 2,910,000 | 4,350,000 | 5,777,000 |
| Interest expense | 323,000 | 639,000 | 948,000 | 1,246,000 |
| Net interest income | 1,224,000 | 2,271,000 | 3,402,000 | 4,531,000 |
| Noninterest income | 50,000 | 241,000 | 411,000 | 717,000 |
| Noninterest expense | 803,000 | 1,613,000 | 2,386,000 | 3,230,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 321,000 | 600,000 | 978,000 | 1,420,000 |
| Income tax | 33,000 | 71,000 | 204,000 | 288,000 |
| Net income | 288,000 | 529,000 | 774,000 | 1,132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,504,000 | 14,570,000 | 14,339,000 | 14,264,000 |
| Total capital | 15,480,000 | 15,551,000 | 15,360,000 | 15,282,000 |
| Risk-weighted assets | 77,884,000 | 78,241,000 | 81,356,000 | 81,050,000 |
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