Call reports 2014
PEOPLES STATE BANK — 2014
What PEOPLES STATE BANK 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 | 113,866,000 | 111,263,000 | 108,725,000 | 109,944,000 |
| Total loans | 46,990,000 | 48,033,000 | 44,568,000 | 41,477,000 |
| Allowance for loan losses | 477,000 | 487,000 | 482,000 | 484,000 |
| Securities available for sale | 48,007,000 | 49,061,000 | 49,519,000 | 49,397,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,574,000 | 102,467,000 | 99,530,000 | 100,693,000 |
| Interest-bearing deposits | 84,915,000 | 80,043,000 | 78,001,000 | 78,632,000 |
| Noninterest-bearing deposits | 20,659,000 | 22,424,000 | 21,529,000 | 22,061,000 |
| Equity capital | 8,093,000 | 8,626,000 | 8,924,000 | 9,066,000 |
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 | 975,000 | 1,962,000 | 2,954,000 | 3,881,000 |
| Interest expense | 122,000 | 248,000 | 373,000 | 483,000 |
| Net interest income | 853,000 | 1,714,000 | 2,581,000 | 3,398,000 |
| Noninterest income | 213,000 | 431,000 | 652,000 | 874,000 |
| Noninterest expense | 788,000 | 1,594,000 | 2,393,000 | 3,217,000 |
| Provision for loan losses | 2,000 | 12,000 | 13,000 | 16,000 |
| Pretax income | 276,000 | 548,000 | 836,000 | 1,048,000 |
| Income tax | 70,000 | 133,000 | 208,000 | 225,000 |
| Net income | 206,000 | 415,000 | 628,000 | 823,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,566,000 | 8,775,000 | 8,988,000 | 9,057,000 |
| Total capital | 9,052,000 | 9,271,000 | 9,479,000 | 9,550,000 |
| Risk-weighted assets | 55,767,000 | 54,810,000 | 51,920,000 | 50,498,000 |