Call reports 2012
PEOPLES STATE BANK & TRUST — 2012
What PEOPLES STATE BANK & TRUST 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 | 77,112,000 | 75,335,000 | 74,101,000 | 73,264,000 |
| Total loans | 49,851,000 | 53,849,000 | 52,547,000 | 47,995,000 |
| Allowance for loan losses | 916,000 | 924,000 | 912,000 | 917,000 |
| Securities available for sale | 5,721,000 | 5,675,000 | 5,121,000 | 6,017,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,160,000 | 65,812,000 | 63,932,000 | 63,338,000 |
| Interest-bearing deposits | 51,662,000 | 49,983,000 | 49,568,000 | 49,511,000 |
| Noninterest-bearing deposits | 15,498,000 | 15,829,000 | 14,364,000 | 13,827,000 |
| Equity capital | 9,524,000 | 8,968,000 | 9,317,000 | 9,121,000 |
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 | 1,003,000 | 2,001,000 | 2,966,000 | 3,825,000 |
| Interest expense | 98,000 | 186,000 | 266,000 | 340,000 |
| Net interest income | 905,000 | 1,815,000 | 2,700,000 | 3,485,000 |
| Noninterest income | 94,000 | 443,000 | 1,072,000 | 1,501,000 |
| Noninterest expense | 681,000 | 1,471,000 | 2,360,000 | 3,325,000 |
| Provision for loan losses | 0 | 96,000 | 173,000 | 249,000 |
| Pretax income | 318,000 | 691,000 | 1,239,000 | 1,412,000 |
| Income tax | 118,000 | 256,000 | 459,000 | 499,000 |
| Net income | 200,000 | 435,000 | 780,000 | 913,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,488,000 | 8,920,000 | 9,265,000 | 9,079,000 |
| Total capital | 10,207,000 | 9,699,000 | 10,030,000 | 9,809,000 |
| Risk-weighted assets | 57,363,000 | 62,185,000 | 61,013,000 | 58,199,000 |