Call reports 2012
PEOPLES STATE BANK — 2012
What PEOPLES 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 | 106,984,000 | 108,330,000 | 103,015,000 | 104,525,000 |
| Total loans | 46,670,000 | 46,359,000 | 46,493,000 | 43,576,000 |
| Allowance for loan losses | 465,000 | 500,000 | 530,000 | 468,000 |
| Securities available for sale | 38,188,000 | 36,492,000 | 33,314,000 | 35,000,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,325,000 | 99,395,000 | 93,868,000 | 95,895,000 |
| Interest-bearing deposits | 78,627,000 | 76,415,000 | 71,015,000 | 74,284,000 |
| Noninterest-bearing deposits | 19,698,000 | 22,980,000 | 22,853,000 | 21,611,000 |
| Equity capital | 8,267,000 | 8,506,000 | 8,671,000 | 8,266,000 |
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 | 1,043,000 | 2,010,000 | 2,950,000 | 3,892,000 |
| Interest expense | 186,000 | 367,000 | 535,000 | 690,000 |
| Net interest income | 857,000 | 1,643,000 | 2,415,000 | 3,202,000 |
| Noninterest income | 260,000 | 533,000 | 758,000 | 994,000 |
| Noninterest expense | 844,000 | 1,640,000 | 2,430,000 | 3,329,000 |
| Provision for loan losses | 97,000 | 135,000 | 166,000 | 523,000 |
| Pretax income | 260,000 | 485,000 | 661,000 | 428,000 |
| Income tax | 54,000 | 128,000 | 189,000 | 123,000 |
| Net income | 206,000 | 357,000 | 472,000 | 305,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,024,000 | 8,175,000 | 8,290,000 | 7,973,000 |
| Total capital | 8,498,000 | 8,684,000 | 8,829,000 | 8,450,000 |
| Risk-weighted assets | 56,657,000 | 55,483,000 | 53,453,000 | 52,417,000 |
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