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 | 67,915,000 | 70,596,000 | 69,205,000 | 68,619,000 |
| Total loans | 50,977,000 | 52,554,000 | 51,073,000 | 52,175,000 |
| Allowance for loan losses | 1,314,000 | 1,308,000 | 1,309,000 | 1,306,000 |
| Securities available for sale | 5,357,000 | 4,837,000 | 4,912,000 | 4,739,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,938,000 | 63,545,000 | 62,146,000 | 61,514,000 |
| Interest-bearing deposits | 52,203,000 | 52,301,000 | 53,014,000 | 51,904,000 |
| Noninterest-bearing deposits | 8,735,000 | 11,244,000 | 9,132,000 | 9,610,000 |
| Equity capital | 6,625,000 | 6,678,000 | 6,730,000 | 6,849,000 |
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 | 713,000 | 1,425,000 | 2,175,000 | 2,925,000 |
| Interest expense | 77,000 | 150,000 | 227,000 | 304,000 |
| Net interest income | 636,000 | 1,275,000 | 1,948,000 | 2,621,000 |
| Noninterest income | 83,000 | 144,000 | 191,000 | 273,000 |
| Noninterest expense | 627,000 | 1,279,000 | 1,917,000 | 2,522,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 92,000 | 152,000 | 234,000 | 384,000 |
| Income tax | 32,000 | 52,000 | 81,000 | 135,000 |
| Net income | 60,000 | 100,000 | 153,000 | 249,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,912,000 | 5,981,000 | 6,062,000 | 6,360,000 |
| Total capital | 6,553,000 | 6,636,000 | 6,716,000 | 7,022,000 |
| Risk-weighted assets | 50,647,000 | 51,732,000 | 51,628,000 | 52,373,000 |