Call reports 2013
PSB BANK — 2013
What PSB BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 182,356,000 | 179,826,000 | 186,202,000 | 204,804,000 |
| Total loans | 129,617,000 | 133,371,000 | 137,182,000 | 145,956,000 |
| Allowance for loan losses | 1,260,000 | 1,310,000 | 1,239,000 | 1,305,000 |
| Securities available for sale | 33,864,000 | 30,929,000 | 33,149,000 | 36,510,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,426,000 | 162,736,000 | 162,121,000 | 187,433,000 |
| Interest-bearing deposits | 134,051,000 | 129,216,000 | 129,468,000 | 148,799,000 |
| Noninterest-bearing deposits | 30,375,000 | 33,520,000 | 32,653,000 | 38,634,000 |
| Equity capital | 17,342,000 | 16,924,000 | 17,285,000 | 16,963,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,899,000 | 3,852,000 | 5,869,000 | 7,896,000 |
| Interest expense | 264,000 | 506,000 | 747,000 | 985,000 |
| Net interest income | 1,635,000 | 3,346,000 | 5,122,000 | 6,911,000 |
| Noninterest income | 275,000 | 538,000 | 810,000 | 1,083,000 |
| Noninterest expense | 1,285,000 | 2,589,000 | 4,058,000 | 5,978,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 731,000 | 1,352,000 | 1,925,000 | 2,023,000 |
| Income tax | 205,000 | 373,000 | 521,000 | 489,000 |
| Net income | 526,000 | 979,000 | 1,404,000 | 1,534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,340,000 | 17,794,000 | 18,218,000 | 18,061,000 |
| Total capital | 18,600,000 | 19,104,000 | 19,457,000 | 19,366,000 |
| Risk-weighted assets | 125,290,000 | 126,073,000 | 128,909,000 | 140,025,000 |
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