Call reports 2011
PEOPLES STATE BANK OF VELVA — 2011
What PEOPLES STATE BANK OF VELVA reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 60,650,000 | 59,323,000 | 62,582,000 | 68,691,000 |
| Total loans | 28,073,000 | 32,403,000 | 37,338,000 | 39,644,000 |
| Allowance for loan losses | 368,000 | 377,000 | 392,000 | 403,000 |
| Securities available for sale | 13,607,000 | 15,051,000 | 14,070,000 | 12,948,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,153,000 | 51,482,000 | 54,292,000 | 60,435,000 |
| Interest-bearing deposits | 45,821,000 | 45,769,000 | 47,625,000 | 49,348,000 |
| Noninterest-bearing deposits | 7,332,000 | 5,713,000 | 6,667,000 | 11,087,000 |
| Equity capital | 5,338,000 | 5,594,000 | 5,943,000 | 5,895,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 570,000 | 1,185,000 | 1,891,000 | 2,615,000 |
| Interest expense | 180,000 | 360,000 | 543,000 | 724,000 |
| Net interest income | 390,000 | 825,000 | 1,348,000 | 1,891,000 |
| Noninterest income | 34,000 | 71,000 | 109,000 | 133,000 |
| Noninterest expense | 431,000 | 858,000 | 1,310,000 | 1,841,000 |
| Provision for loan losses | 6,000 | 15,000 | 30,000 | 45,000 |
| Pretax income | 32,000 | 138,000 | 232,000 | 279,000 |
| Income tax | 3,000 | 6,000 | 9,000 | 21,000 |
| Net income | 29,000 | 132,000 | 223,000 | 258,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,083,000 | 5,185,000 | 5,269,000 | 5,312,000 |
| Total capital | 5,451,000 | 5,562,000 | 5,661,000 | 5,715,000 |
| Risk-weighted assets | 39,196,000 | 40,592,000 | 46,710,000 | 47,153,000 |