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 | 68,561,000 | 67,465,000 | 67,773,000 | 66,316,000 |
| Total loans | 50,852,000 | 50,730,000 | 50,434,000 | 51,340,000 |
| Allowance for loan losses | 1,269,000 | 1,325,000 | 1,359,000 | 1,312,000 |
| Securities available for sale | 5,915,000 | 4,926,000 | 5,686,000 | 5,486,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,224,000 | 60,643,000 | 60,908,000 | 59,565,000 |
| Interest-bearing deposits | 52,716,000 | 52,898,000 | 53,413,000 | 51,542,000 |
| Noninterest-bearing deposits | 7,508,000 | 7,745,000 | 7,495,000 | 8,023,000 |
| Equity capital | 6,574,000 | 6,505,000 | 6,515,000 | 6,532,000 |
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 | 777,000 | 1,508,000 | 2,245,000 | 2,987,000 |
| Interest expense | 120,000 | 224,000 | 322,000 | 414,000 |
| Net interest income | 657,000 | 1,284,000 | 1,923,000 | 2,573,000 |
| Noninterest income | 105,000 | 193,000 | 240,000 | 283,000 |
| Noninterest expense | 598,000 | 1,217,000 | 1,859,000 | 2,502,000 |
| Provision for loan losses | 45,000 | 120,000 | 130,000 | 130,000 |
| Pretax income | 110,000 | 124,000 | 158,000 | 208,000 |
| Income tax | 39,000 | 43,000 | 52,000 | 69,000 |
| Net income | 71,000 | 81,000 | 106,000 | 139,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,777,000 | 5,726,000 | 5,695,000 | 5,801,000 |
| Total capital | 6,414,000 | 6,356,000 | 6,330,000 | 6,437,000 |
| Risk-weighted assets | 50,320,000 | 49,739,000 | 50,087,000 | 50,239,000 |
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