Call reports 2012
UPPER PENINSULA STATE BANK — 2012
What UPPER PENINSULA 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 | 198,341,000 | 189,742,000 | 200,812,000 | 189,650,000 |
| Total loans | 102,211,000 | 104,655,000 | 106,713,000 | 107,989,000 |
| Allowance for loan losses | 2,547,000 | 2,445,000 | 2,536,000 | 2,555,000 |
| Securities available for sale | 67,130,000 | 65,860,000 | 63,093,000 | 60,343,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,556,000 | 153,970,000 | 164,726,000 | 154,439,000 |
| Interest-bearing deposits | 150,882,000 | 143,110,000 | 153,749,000 | 141,448,000 |
| Noninterest-bearing deposits | 9,674,000 | 10,860,000 | 10,977,000 | 12,991,000 |
| Equity capital | 28,091,000 | 28,746,000 | 29,300,000 | 28,462,000 |
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 | 2,075,000 | 4,153,000 | 6,226,000 | 8,276,000 |
| Interest expense | 436,000 | 816,000 | 1,186,000 | 1,557,000 |
| Net interest income | 1,639,000 | 3,337,000 | 5,040,000 | 6,719,000 |
| Noninterest income | 236,000 | 455,000 | 710,000 | 923,000 |
| Noninterest expense | 1,064,000 | 2,067,000 | 3,144,000 | 4,192,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 706,000 | 1,568,000 | 2,365,000 | 3,104,000 |
| Income tax | 177,000 | 404,000 | 610,000 | 798,000 |
| Net income | 529,000 | 1,164,000 | 1,755,000 | 2,306,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,228,000 | 28,651,000 | 29,143,000 | 28,608,000 |
| Total capital | 29,758,000 | 30,196,000 | 30,709,000 | 30,167,000 |
| Risk-weighted assets | 121,403,000 | 122,703,000 | 124,340,000 | 123,726,000 |
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