Call reports 2012
PEOPLES BANK OF GRACEVILLE — 2012
What PEOPLES BANK OF GRACEVILLE 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 | 75,722,000 | 81,888,000 | 81,469,000 | 78,298,000 |
| Total loans | 25,395,000 | 25,500,000 | 25,409,000 | 24,489,000 |
| Allowance for loan losses | 322,000 | 335,000 | 342,000 | 364,000 |
| Securities available for sale | 45,931,000 | 44,695,000 | 46,103,000 | 45,570,000 |
| Securities held to maturity | 228,000 | 230,000 | 233,000 | 235,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,738,000 | 68,530,000 | 67,931,000 | 64,922,000 |
| Interest-bearing deposits | 50,680,000 | 56,272,000 | 55,396,000 | 51,681,000 |
| Noninterest-bearing deposits | 12,058,000 | 12,258,000 | 12,535,000 | 13,241,000 |
| Equity capital | 12,651,000 | 13,005,000 | 13,186,000 | 12,644,000 |
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 | 734,000 | 1,453,000 | 2,159,000 | 2,837,000 |
| Interest expense | 154,000 | 300,000 | 445,000 | 586,000 |
| Net interest income | 580,000 | 1,153,000 | 1,714,000 | 2,251,000 |
| Noninterest income | 93,000 | 184,000 | 266,000 | 291,000 |
| Noninterest expense | 304,000 | 623,000 | 938,000 | 1,311,000 |
| Provision for loan losses | 20,000 | 26,000 | 30,000 | 30,000 |
| Pretax income | 352,000 | 705,000 | 1,047,000 | 1,313,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 352,000 | 705,000 | 1,047,000 | 1,313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,940,000 | 11,095,000 | 11,238,000 | 10,901,000 |
| Total capital | 11,263,000 | 11,430,000 | 11,580,000 | 11,255,000 |
| Risk-weighted assets | 28,703,000 | 29,069,000 | 28,688,000 | 28,299,000 |