Call reports 2012
PEOPLES STATE BANK OF VELVA — 2012
What PEOPLES STATE BANK OF VELVA 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 | 71,549,000 | 80,445,000 | 85,548,000 | 83,162,000 |
| Total loans | 50,445,000 | 61,785,000 | 65,668,000 | 63,159,000 |
| Allowance for loan losses | 418,000 | 463,000 | 568,000 | 416,000 |
| Securities available for sale | 12,587,000 | 10,940,000 | 10,253,000 | 9,686,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,194,000 | 66,130,000 | 68,472,000 | 71,899,000 |
| Interest-bearing deposits | 53,139,000 | 54,550,000 | 56,140,000 | 58,173,000 |
| Noninterest-bearing deposits | 10,056,000 | 11,580,000 | 12,332,000 | 13,726,000 |
| Equity capital | 6,068,000 | 6,459,000 | 7,749,000 | 7,842,000 |
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 | 913,000 | 1,853,000 | 2,901,000 | 3,917,000 |
| Interest expense | 168,000 | 329,000 | 493,000 | 656,000 |
| Net interest income | 745,000 | 1,524,000 | 2,408,000 | 3,261,000 |
| Noninterest income | 39,000 | 72,000 | 105,000 | 134,000 |
| Noninterest expense | 526,000 | 1,060,000 | 1,604,000 | 2,207,000 |
| Provision for loan losses | 15,000 | 65,000 | 170,000 | 320,000 |
| Pretax income | 243,000 | 471,000 | 739,000 | 868,000 |
| Income tax | 15,000 | 30,000 | 45,000 | 55,000 |
| Net income | 228,000 | 441,000 | 694,000 | 813,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,493,000 | 5,670,000 | 6,920,000 | 7,020,000 |
| Total capital | 5,911,000 | 6,133,000 | 7,488,000 | 7,436,000 |
| Risk-weighted assets | 56,169,000 | 67,154,000 | 71,318,000 | 68,446,000 |