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 | 71,288,000 | 69,061,000 | 69,533,000 | 69,375,000 |
| Total loans | 52,005,000 | 50,886,000 | 50,688,000 | 50,648,000 |
| Allowance for loan losses | 1,536,000 | 1,444,000 | 1,371,000 | 1,267,000 |
| Securities available for sale | 5,523,000 | 6,394,000 | 5,978,000 | 6,565,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,930,000 | 59,832,000 | 60,217,000 | 60,161,000 |
| Interest-bearing deposits | 55,140,000 | 52,912,000 | 53,118,000 | 52,166,000 |
| Noninterest-bearing deposits | 6,790,000 | 6,920,000 | 7,099,000 | 7,995,000 |
| Equity capital | 6,619,000 | 6,478,000 | 6,516,000 | 6,490,000 |
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 | 803,000 | 1,567,000 | 2,363,000 | 3,132,000 |
| Interest expense | 196,000 | 361,000 | 518,000 | 655,000 |
| Net interest income | 607,000 | 1,206,000 | 1,845,000 | 2,477,000 |
| Noninterest income | 73,000 | -15,000 | -8,000 | 2,000 |
| Noninterest expense | 765,000 | 1,377,000 | 1,979,000 | 2,619,000 |
| Provision for loan losses | 146,000 | 283,000 | 282,000 | 416,000 |
| Pretax income | -233,000 | -474,000 | -433,000 | -572,000 |
| Income tax | -89,000 | -180,000 | -167,000 | -223,000 |
| Net income | -144,000 | -294,000 | -266,000 | -349,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,853,000 | 5,618,000 | 5,664,000 | 5,658,000 |
| Total capital | 6,512,000 | 6,266,000 | 6,304,000 | 6,297,000 |
| Risk-weighted assets | 51,862,000 | 51,013,000 | 50,499,000 | 50,393,000 |
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