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 | 61,698,000 | 60,333,000 | 59,981,000 | 60,045,000 |
| Total loans | 39,698,000 | 43,592,000 | 43,985,000 | 42,985,000 |
| Allowance for loan losses | 603,000 | 631,000 | 661,000 | 654,000 |
| Securities available for sale | 12,303,000 | 12,077,000 | 11,219,000 | 10,392,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,663,000 | 52,973,000 | 51,865,000 | 52,458,000 |
| Interest-bearing deposits | 49,002,000 | 47,855,000 | 46,939,000 | 45,350,000 |
| Noninterest-bearing deposits | 5,661,000 | 5,118,000 | 4,926,000 | 7,108,000 |
| Equity capital | 6,354,000 | 6,650,000 | 6,885,000 | 6,964,000 |
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 | 773,000 | 1,571,000 | 2,417,000 | 3,251,000 |
| Interest expense | 127,000 | 248,000 | 366,000 | 477,000 |
| Net interest income | 646,000 | 1,323,000 | 2,051,000 | 2,774,000 |
| Noninterest income | 54,000 | 140,000 | 208,000 | 293,000 |
| Noninterest expense | 299,000 | 582,000 | 884,000 | 1,161,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 371,000 | 821,000 | 1,285,000 | 1,786,000 |
| Income tax | 18,000 | 36,000 | 54,000 | 74,000 |
| Net income | 353,000 | 785,000 | 1,231,000 | 1,712,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,249,000 | 6,482,000 | 6,727,000 | 6,808,000 |
| Total capital | 6,852,000 | 7,113,000 | 7,387,000 | 7,461,000 |
| Risk-weighted assets | 48,857,000 | 52,055,000 | 53,001,000 | 52,588,000 |
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