Call reports 2013
PEOPLES FEDERAL SAVINGS BANK — 2013
What PEOPLES FEDERAL SAVINGS 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 | 577,443,000 | 573,636,000 | 584,371,000 | 587,352,000 |
| Total loans | 453,076,000 | 457,324,000 | 470,086,000 | 474,438,000 |
| Allowance for loan losses | 4,058,000 | 4,025,000 | 4,037,000 | 4,019,000 |
| Securities available for sale | 15,950,000 | 14,424,000 | 14,225,000 | 13,246,000 |
| Securities held to maturity | 20,627,000 | 27,825,000 | 32,054,000 | 37,871,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 447,087,000 | 441,694,000 | 439,973,000 | 435,062,000 |
| Interest-bearing deposits | 377,814,000 | 369,156,000 | 367,202,000 | 367,764,000 |
| Noninterest-bearing deposits | 69,273,000 | 72,538,000 | 72,771,000 | 67,298,000 |
| Equity capital | 86,155,000 | 87,058,000 | 88,055,000 | 89,122,000 |
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 | 4,769,000 | 9,589,000 | 14,367,000 | 19,292,000 |
| Interest expense | 746,000 | 1,439,000 | 2,105,000 | 2,768,000 |
| Net interest income | 4,023,000 | 8,150,000 | 12,262,000 | 16,524,000 |
| Noninterest income | 482,000 | 944,000 | 1,342,000 | 1,735,000 |
| Noninterest expense | 2,946,000 | 5,949,000 | 9,021,000 | 12,009,000 |
| Provision for loan losses | 80,000 | 80,000 | 80,000 | 80,000 |
| Pretax income | 1,479,000 | 3,065,000 | 4,503,000 | 6,170,000 |
| Income tax | 522,000 | 1,154,000 | 1,694,000 | 2,334,000 |
| Net income | 957,000 | 1,911,000 | 2,809,000 | 3,836,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 86,090,000 | 87,116,000 | 88,085,000 | 89,183,000 |
| Total capital | 90,148,000 | 91,141,000 | 92,122,000 | 93,202,000 |
| Risk-weighted assets | 359,433,000 | 360,563,000 | 371,136,000 | 372,825,000 |