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 | 110,019,000 | 105,197,000 | 104,502,000 | 106,382,000 |
| Total loans | 43,424,000 | 44,767,000 | 45,394,000 | 46,605,000 |
| Allowance for loan losses | 496,000 | 517,000 | 447,000 | 477,000 |
| Securities available for sale | 37,794,000 | 41,217,000 | 45,940,000 | 48,729,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,346,000 | 97,301,000 | 96,402,000 | 98,472,000 |
| Interest-bearing deposits | 80,338,000 | 74,857,000 | 74,847,000 | 77,733,000 |
| Noninterest-bearing deposits | 21,008,000 | 22,444,000 | 21,555,000 | 20,739,000 |
| Equity capital | 8,328,000 | 7,728,000 | 7,869,000 | 7,730,000 |
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 | 926,000 | 1,886,000 | 2,863,000 | 3,861,000 |
| Interest expense | 152,000 | 299,000 | 443,000 | 579,000 |
| Net interest income | 774,000 | 1,587,000 | 2,420,000 | 3,282,000 |
| Noninterest income | 226,000 | 416,000 | 640,000 | 856,000 |
| Noninterest expense | 808,000 | 1,653,000 | 2,429,000 | 3,288,000 |
| Provision for loan losses | 32,000 | 53,000 | 84,000 | 115,000 |
| Pretax income | 208,000 | 345,000 | 595,000 | 783,000 |
| Income tax | 52,000 | 87,000 | 150,000 | 196,000 |
| Net income | 156,000 | 258,000 | 445,000 | 587,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,129,000 | 8,231,000 | 8,368,000 | 8,360,000 |
| Total capital | 8,634,000 | 8,767,000 | 8,834,000 | 8,846,000 |
| Risk-weighted assets | 53,228,000 | 53,557,000 | 53,676,000 | 54,787,000 |
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