Call reports 2014
PEOPLES STATE BANK & TRUST — 2014
What PEOPLES STATE BANK & TRUST 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 | 77,535,000 | 79,936,000 | 79,104,000 | 78,121,000 |
| Total loans | 52,776,000 | 56,636,000 | 56,792,000 | 50,961,000 |
| Allowance for loan losses | 818,000 | 820,000 | 821,000 | 845,000 |
| Securities available for sale | 5,992,000 | 5,968,000 | 5,682,000 | 5,682,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,156,000 | 69,619,000 | 68,254,000 | 68,154,000 |
| Interest-bearing deposits | 50,700,000 | 50,230,000 | 50,079,000 | 51,311,000 |
| Noninterest-bearing deposits | 16,456,000 | 19,389,000 | 18,175,000 | 16,843,000 |
| Equity capital | 9,185,000 | 9,417,000 | 9,835,000 | 9,042,000 |
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 | 940,000 | 1,902,000 | 2,896,000 | 3,881,000 |
| Interest expense | 54,000 | 109,000 | 163,000 | 217,000 |
| Net interest income | 886,000 | 1,793,000 | 2,733,000 | 3,664,000 |
| Noninterest income | 301,000 | 518,000 | 1,001,000 | 1,225,000 |
| Noninterest expense | 716,000 | 1,475,000 | 2,221,000 | 3,076,000 |
| Provision for loan losses | 0 | 0 | 0 | 30,000 |
| Pretax income | 471,000 | 836,000 | 1,513,000 | 1,783,000 |
| Income tax | 175,000 | 310,000 | 561,000 | 653,000 |
| Net income | 296,000 | 526,000 | 952,000 | 1,130,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,176,000 | 9,406,000 | 9,832,000 | 9,034,000 |
| Total capital | 9,936,000 | 10,195,000 | 10,622,000 | 9,781,000 |
| Risk-weighted assets | 60,736,000 | 63,069,000 | 63,200,000 | 59,699,000 |
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