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 | 90,253,000 | 89,413,000 | 89,410,000 | 87,890,000 |
| Total loans | 43,885,000 | 46,591,000 | 46,789,000 | 44,999,000 |
| Allowance for loan losses | 592,000 | 552,000 | 581,000 | 481,000 |
| Securities available for sale | 37,333,000 | 37,367,000 | 35,499,000 | 35,411,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,301,000 | 67,929,000 | 69,779,000 | 68,563,000 |
| Interest-bearing deposits | 60,911,000 | 57,279,000 | 58,689,000 | 56,533,000 |
| Noninterest-bearing deposits | 10,390,000 | 10,650,000 | 11,090,000 | 12,030,000 |
| Equity capital | 11,927,000 | 12,315,000 | 12,458,000 | 12,326,000 |
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 | 998,000 | 1,988,000 | 2,981,000 | 3,939,000 |
| Interest expense | 276,000 | 558,000 | 827,000 | 1,098,000 |
| Net interest income | 722,000 | 1,430,000 | 2,154,000 | 2,841,000 |
| Noninterest income | 124,000 | 243,000 | 374,000 | 495,000 |
| Noninterest expense | 569,000 | 1,140,000 | 1,738,000 | 2,322,000 |
| Provision for loan losses | 15,000 | 30,000 | 60,000 | 120,000 |
| Pretax income | 262,000 | 530,000 | 822,000 | 813,000 |
| Income tax | 13,000 | 26,000 | 40,000 | 47,000 |
| Net income | 249,000 | 504,000 | 782,000 | 766,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,580,000 | 10,835,000 | 11,113,000 | 10,929,000 |
| Total capital | 11,172,000 | 11,387,000 | 11,694,000 | 11,410,000 |
| Risk-weighted assets | 50,737,000 | 52,935,000 | 51,476,000 | 49,452,000 |