Call reports 2012
PEOPLES BANK OF THE SOUTH — 2012
What PEOPLES BANK OF THE SOUTH 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 | 152,953,000 | 149,668,000 | 148,203,000 | 146,022,000 |
| Total loans | 122,576,000 | 121,239,000 | 120,195,000 | 119,944,000 |
| Allowance for loan losses | 1,972,000 | 2,075,000 | 2,144,000 | 2,631,000 |
| Securities available for sale | 7,102,000 | 6,744,000 | 6,342,000 | 6,298,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,482,000 | 128,668,000 | 126,960,000 | 125,659,000 |
| Interest-bearing deposits | 106,706,000 | 102,632,000 | 102,335,000 | 100,644,000 |
| Noninterest-bearing deposits | 25,776,000 | 26,036,000 | 24,625,000 | 25,015,000 |
| Equity capital | 19,360,000 | 19,549,000 | 19,759,000 | 19,338,000 |
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 | 1,909,000 | 3,835,000 | 5,642,000 | 7,506,000 |
| Interest expense | 222,000 | 423,000 | 601,000 | 763,000 |
| Net interest income | 1,687,000 | 3,412,000 | 5,041,000 | 6,743,000 |
| Noninterest income | 65,000 | 246,000 | 460,000 | 307,000 |
| Noninterest expense | 1,198,000 | 2,429,000 | 3,618,000 | 4,723,000 |
| Provision for loan losses | 100,000 | 250,000 | 350,000 | 850,000 |
| Pretax income | 454,000 | 979,000 | 1,533,000 | 1,477,000 |
| Income tax | 30,000 | 64,000 | 101,000 | 97,000 |
| Net income | 424,000 | 915,000 | 1,432,000 | 1,380,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,043,000 | 19,234,000 | 19,464,000 | 19,083,000 |
| Total capital | 20,444,000 | 20,626,000 | 20,729,000 | 20,434,000 |
| Risk-weighted assets | 111,572,000 | 110,710,000 | 108,307,000 | 106,834,000 |