Call reports 2013
UPPER PENINSULA STATE BANK — 2013
What UPPER PENINSULA STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 196,006,000 | 193,486,000 | 195,642,000 | 186,948,000 |
| Total loans | 107,338,000 | 109,461,000 | 111,369,000 | 113,829,000 |
| Allowance for loan losses | 2,632,000 | 2,710,000 | 2,830,000 | 2,845,000 |
| Securities available for sale | 61,991,000 | 60,139,000 | 60,754,000 | 59,712,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,221,000 | 157,925,000 | 159,828,000 | 151,839,000 |
| Interest-bearing deposits | 147,896,000 | 145,842,000 | 148,533,000 | 137,791,000 |
| Noninterest-bearing deposits | 12,325,000 | 12,083,000 | 11,295,000 | 14,048,000 |
| Equity capital | 28,928,000 | 28,581,000 | 28,732,000 | 28,988,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,957,000 | 3,921,000 | 5,914,000 | 7,900,000 |
| Interest expense | 344,000 | 676,000 | 1,005,000 | 1,329,000 |
| Net interest income | 1,613,000 | 3,245,000 | 4,909,000 | 6,571,000 |
| Noninterest income | 189,000 | 411,000 | 561,000 | 625,000 |
| Noninterest expense | 1,095,000 | 2,108,000 | 3,158,000 | 4,190,000 |
| Provision for loan losses | 105,000 | 210,000 | 370,000 | 420,000 |
| Pretax income | 607,000 | 1,347,000 | 1,959,000 | 2,603,000 |
| Income tax | 145,000 | 338,000 | 485,000 | 627,000 |
| Net income | 462,000 | 1,009,000 | 1,474,000 | 1,976,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,097,000 | 29,400,000 | 29,663,000 | 29,168,000 |
| Total capital | 30,641,000 | 30,942,000 | 31,225,000 | 30,740,000 |
| Risk-weighted assets | 122,478,000 | 122,227,000 | 123,728,000 | 124,511,000 |
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