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 | 16,356,000 | 15,536,000 | 16,485,000 | 15,409,000 |
| Total loans | 14,429,000 | 13,605,000 | 15,178,000 | 14,201,000 |
| Allowance for loan losses | 245,000 | 216,000 | 218,000 | 218,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 538,000 | 537,000 | 452,000 | 603,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,595,000 | 10,646,000 | 10,301,000 | 10,171,000 |
| Interest-bearing deposits | 7,703,000 | 7,578,000 | 7,309,000 | 7,427,000 |
| Noninterest-bearing deposits | 2,892,000 | 3,068,000 | 2,992,000 | 2,744,000 |
| Equity capital | 4,498,000 | 4,462,000 | 4,466,000 | 4,445,000 |
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 | 294,000 | 586,000 | 888,000 | 1,186,000 |
| Interest expense | 20,000 | 39,000 | 58,000 | 77,000 |
| Net interest income | 274,000 | 547,000 | 830,000 | 1,109,000 |
| Noninterest income | 50,000 | 82,000 | 125,000 | 209,000 |
| Noninterest expense | 146,000 | 286,000 | 425,000 | 575,000 |
| Provision for loan losses | 0 | 20,000 | 20,000 | 20,000 |
| Pretax income | 178,000 | 323,000 | 510,000 | 723,000 |
| Income tax | 7,000 | 13,000 | 21,000 | 30,000 |
| Net income | 171,000 | 310,000 | 489,000 | 693,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,498,000 | 4,462,000 | 4,466,000 | 4,445,000 |
| Total capital | 4,678,000 | 4,630,000 | 4,650,000 | 4,615,000 |
| Risk-weighted assets | 14,204,000 | 12,600,000 | 13,940,000 | 12,818,000 |