Call reports 2014
PEOPLES STATE BANK OF MUNISING — 2014
What PEOPLES STATE BANK OF MUNISING 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 | 117,415,000 | 117,082,000 | 120,558,000 | 121,301,000 |
| Total loans | 73,435,000 | 74,551,000 | 75,262,000 | 74,869,000 |
| Allowance for loan losses | 1,918,000 | 2,056,000 | 2,092,000 | 2,011,000 |
| Securities available for sale | 30,206,000 | 29,249,000 | 29,365,000 | 29,215,000 |
| Securities held to maturity | 168,000 | 141,000 | 141,000 | 141,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,916,000 | 95,340,000 | 100,270,000 | 100,810,000 |
| Interest-bearing deposits | 81,116,000 | 78,673,000 | 81,457,000 | 81,374,000 |
| Noninterest-bearing deposits | 15,800,000 | 16,667,000 | 18,813,000 | 19,436,000 |
| Equity capital | 15,729,000 | 16,056,000 | 16,511,000 | 16,664,000 |
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 | 1,305,000 | 2,627,000 | 3,961,000 | 5,272,000 |
| Interest expense | 193,000 | 387,000 | 582,000 | 768,000 |
| Net interest income | 1,112,000 | 2,240,000 | 3,379,000 | 4,504,000 |
| Noninterest income | 124,000 | 249,000 | 1,892,000 | 4,055,000 |
| Noninterest expense | 843,000 | 1,686,000 | 3,810,000 | 5,792,000 |
| Provision for loan losses | 150,000 | 300,000 | 375,000 | 375,000 |
| Pretax income | 268,000 | 536,000 | 1,119,000 | 2,424,000 |
| Income tax | 46,000 | 87,000 | 236,000 | 636,000 |
| Net income | 222,000 | 449,000 | 883,000 | 1,788,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,096,000 | 15,322,000 | 11,355,000 | 11,365,000 |
| Total capital | 16,135,000 | 16,386,000 | 12,435,000 | 12,405,000 |
| Risk-weighted assets | 82,249,000 | 84,094,000 | 85,379,000 | 82,196,000 |
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