Call reports 2014
PSB BANK — 2014
What PSB BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 205,351,000 | 199,975,000 | 194,431,000 | 211,125,000 |
| Total loans | 147,270,000 | 148,909,000 | 153,565,000 | 157,612,000 |
| Allowance for loan losses | 1,382,000 | 1,550,000 | 1,552,000 | 1,483,000 |
| Securities available for sale | 36,488,000 | 29,313,000 | 21,502,000 | 32,618,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,335,000 | 179,015,000 | 174,894,000 | 191,610,000 |
| Interest-bearing deposits | 145,220,000 | 139,608,000 | 135,944,000 | 150,313,000 |
| Noninterest-bearing deposits | 38,115,000 | 39,407,000 | 38,950,000 | 41,297,000 |
| Equity capital | 17,711,000 | 18,531,000 | 18,939,000 | 19,033,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,057,000 | 4,110,000 | 6,152,000 | 8,191,000 |
| Interest expense | 223,000 | 440,000 | 642,000 | 841,000 |
| Net interest income | 1,834,000 | 3,670,000 | 5,510,000 | 7,350,000 |
| Noninterest income | 250,000 | 519,000 | 773,000 | 1,043,000 |
| Noninterest expense | 1,737,000 | 3,332,000 | 4,993,000 | 6,547,000 |
| Provision for loan losses | 90,000 | 150,000 | 195,000 | 240,000 |
| Pretax income | 338,000 | 886,000 | 1,329,000 | 1,841,000 |
| Income tax | 60,000 | 203,000 | 320,000 | 477,000 |
| Net income | 278,000 | 683,000 | 1,009,000 | 1,364,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,338,000 | 18,743,000 | 19,069,000 | 19,137,000 |
| Total capital | 19,720,000 | 20,293,000 | 20,621,000 | 20,620,000 |
| Risk-weighted assets | 139,837,000 | 140,265,000 | 143,754,000 | 148,948,000 |
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