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 | 55,638,000 | 55,465,000 | 56,486,000 | 56,488,000 |
| Total loans | 38,586,000 | 40,189,000 | 40,753,000 | 41,526,000 |
| Allowance for loan losses | 535,000 | 555,000 | 564,000 | 580,000 |
| Securities available for sale | 11,117,000 | 9,847,000 | 9,827,000 | 10,554,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,628,000 | 47,366,000 | 48,978,000 | 48,689,000 |
| Interest-bearing deposits | 41,988,000 | 42,853,000 | 37,028,000 | 43,402,000 |
| Noninterest-bearing deposits | 5,640,000 | 4,513,000 | 11,950,000 | 5,287,000 |
| Equity capital | 6,090,000 | 6,264,000 | 6,244,000 | 6,634,000 |
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 | 743,000 | 1,532,000 | 2,339,000 | 3,134,000 |
| Interest expense | 149,000 | 294,000 | 437,000 | 564,000 |
| Net interest income | 594,000 | 1,238,000 | 1,902,000 | 2,570,000 |
| Noninterest income | 65,000 | 134,000 | 205,000 | 271,000 |
| Noninterest expense | 283,000 | 577,000 | 888,000 | 1,108,000 |
| Provision for loan losses | 30,000 | 60,000 | 140,000 | 170,000 |
| Pretax income | 346,000 | 735,000 | 1,079,000 | 1,563,000 |
| Income tax | 18,000 | 36,000 | 54,000 | 65,000 |
| Net income | 328,000 | 699,000 | 1,025,000 | 1,498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,750,000 | 6,121,000 | 6,122,000 | 6,596,000 |
| Total capital | 6,285,000 | 6,676,000 | 6,686,000 | 7,176,000 |
| Risk-weighted assets | 47,138,000 | 47,983,000 | 48,622,000 | 49,559,000 |
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