Call reports 2013
PEOPLES STATE BANK — 2013
What PEOPLES STATE BANK 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 | 16,585,000 | 16,381,000 | 16,489,000 | 17,458,000 |
| Total loans | 12,164,000 | 11,641,000 | 11,492,000 | 11,329,000 |
| Allowance for loan losses | 132,000 | 145,000 | 141,000 | 135,000 |
| Securities available for sale | 2,686,000 | 2,562,000 | 2,513,000 | 2,521,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,950,000 | 14,823,000 | 14,966,000 | 15,931,000 |
| Interest-bearing deposits | 11,216,000 | 11,159,000 | 11,093,000 | 12,218,000 |
| Noninterest-bearing deposits | 3,735,000 | 3,664,000 | 3,873,000 | 3,713,000 |
| Equity capital | 1,618,000 | 1,525,000 | 1,515,000 | 1,519,000 |
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 | 240,000 | 466,000 | 690,000 | 919,000 |
| Interest expense | 14,000 | 25,000 | 37,000 | 47,000 |
| Net interest income | 226,000 | 441,000 | 653,000 | 872,000 |
| Noninterest income | 50,000 | 95,000 | 138,000 | 196,000 |
| Noninterest expense | 172,000 | 348,000 | 517,000 | 729,000 |
| Provision for loan losses | 10,000 | 25,000 | 25,000 | 25,000 |
| Pretax income | 94,000 | 163,000 | 249,000 | 314,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 94,000 | 163,000 | 249,000 | 314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,606,000 | 1,582,000 | 1,600,000 | 1,579,000 |
| Total capital | 1,738,000 | 1,727,000 | 1,741,000 | 1,714,000 |
| Risk-weighted assets | 13,280,000 | 12,954,000 | 13,552,000 | 13,398,000 |