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 | 56,250,000 | 53,145,000 | 54,144,000 | 55,532,000 |
| Total loans | 35,001,000 | 37,355,000 | 36,968,000 | 37,609,000 |
| Allowance for loan losses | 581,000 | 409,000 | 491,000 | 504,000 |
| Securities available for sale | 12,721,000 | 12,913,000 | 11,769,000 | 11,926,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,608,000 | 44,668,000 | 45,865,000 | 47,039,000 |
| Interest-bearing deposits | 41,341,000 | 39,358,000 | 34,957,000 | 40,356,000 |
| Noninterest-bearing deposits | 7,267,000 | 5,310,000 | 10,908,000 | 6,683,000 |
| Equity capital | 5,694,000 | 6,044,000 | 6,310,000 | 6,616,000 |
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 | 749,000 | 1,502,000 | 2,244,000 | 2,990,000 |
| Interest expense | 177,000 | 342,000 | 502,000 | 658,000 |
| Net interest income | 572,000 | 1,160,000 | 1,742,000 | 2,332,000 |
| Noninterest income | 47,000 | 109,000 | 192,000 | 268,000 |
| Noninterest expense | 282,000 | 568,000 | 854,000 | 1,096,000 |
| Provision for loan losses | 30,000 | 60,000 | 140,000 | 170,000 |
| Pretax income | 307,000 | 641,000 | 940,000 | 1,334,000 |
| Income tax | 9,000 | 21,000 | 39,000 | 57,000 |
| Net income | 298,000 | 620,000 | 901,000 | 1,277,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,296,000 | 5,616,000 | 5,873,000 | 6,248,000 |
| Total capital | 5,852,000 | 6,026,000 | 6,364,000 | 6,752,000 |
| Risk-weighted assets | 44,424,000 | 46,117,000 | 45,888,000 | 46,841,000 |