Call reports 2013
PEOPLES STATE BANK OF MUNISING — 2013
What PEOPLES STATE BANK OF MUNISING 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 | 115,428,000 | 114,814,000 | 118,484,000 | 116,254,000 |
| Total loans | 73,533,000 | 73,640,000 | 73,863,000 | 74,207,000 |
| Allowance for loan losses | 1,591,000 | 1,703,000 | 1,760,000 | 1,791,000 |
| Securities available for sale | 30,171,000 | 28,412,000 | 31,783,000 | 31,300,000 |
| Securities held to maturity | 192,000 | 168,000 | 168,000 | 168,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,916,000 | 92,526,000 | 96,933,000 | 94,950,000 |
| Interest-bearing deposits | 77,107,000 | 76,568,000 | 78,274,000 | 77,788,000 |
| Noninterest-bearing deposits | 15,809,000 | 15,958,000 | 18,659,000 | 17,161,000 |
| Equity capital | 15,632,000 | 15,533,000 | 15,733,000 | 15,457,000 |
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 | 1,385,000 | 2,743,000 | 4,075,000 | 5,398,000 |
| Interest expense | 242,000 | 456,000 | 664,000 | 872,000 |
| Net interest income | 1,143,000 | 2,287,000 | 3,411,000 | 4,526,000 |
| Noninterest income | 212,000 | 386,000 | 534,000 | 706,000 |
| Noninterest expense | 836,000 | 1,651,000 | 2,457,000 | 3,312,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 369,000 | 728,000 | 1,049,000 | 1,351,000 |
| Income tax | 72,000 | 141,000 | 198,000 | 241,000 |
| Net income | 297,000 | 587,000 | 851,000 | 1,110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,561,000 | 14,851,000 | 15,115,000 | 14,874,000 |
| Total capital | 15,564,000 | 15,862,000 | 16,142,000 | 15,879,000 |
| Risk-weighted assets | 79,614,000 | 80,166,000 | 81,453,000 | 79,646,000 |
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