Call reports 2013
PEOPLES STATE BANK & TRUST — 2013
What PEOPLES STATE BANK & TRUST 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 | 78,050,000 | 79,306,000 | 78,147,000 | 75,310,000 |
| Total loans | 47,922,000 | 48,442,000 | 52,191,000 | 49,958,000 |
| Allowance for loan losses | 921,000 | 799,000 | 804,000 | 816,000 |
| Securities available for sale | 5,957,000 | 5,832,000 | 5,797,000 | 5,274,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,972,000 | 69,011,000 | 67,443,000 | 65,462,000 |
| Interest-bearing deposits | 51,832,000 | 51,651,000 | 50,102,000 | 49,920,000 |
| Noninterest-bearing deposits | 16,140,000 | 17,360,000 | 17,341,000 | 15,542,000 |
| Equity capital | 9,492,000 | 9,637,000 | 9,851,000 | 8,888,000 |
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 | 874,000 | 1,826,000 | 2,729,000 | 3,612,000 |
| Interest expense | 66,000 | 133,000 | 198,000 | 255,000 |
| Net interest income | 808,000 | 1,693,000 | 2,531,000 | 3,357,000 |
| Noninterest income | 622,000 | 932,000 | 1,199,000 | 1,354,000 |
| Noninterest expense | 838,000 | 1,737,000 | 2,505,000 | 3,309,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 592,000 | 888,000 | 1,225,000 | 1,392,000 |
| Income tax | 220,000 | 329,000 | 454,000 | 635,000 |
| Net income | 372,000 | 559,000 | 771,000 | 757,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,451,000 | 9,638,000 | 9,850,000 | 8,880,000 |
| Total capital | 10,147,000 | 10,340,000 | 10,598,000 | 9,612,000 |
| Risk-weighted assets | 55,467,000 | 56,052,000 | 59,766,000 | 58,498,000 |
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