Call reports 2013
PEOPLES FEDERAL SAVINGS AND LOAN ASSOCIATION — 2013
What PEOPLES FEDERAL SAVINGS AND LOAN ASSOCIATION 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 | 130,382,000 | 119,925,000 | 119,666,000 | 118,604,000 |
| Total loans | 94,628,000 | 91,662,000 | 89,473,000 | 87,114,000 |
| Allowance for loan losses | 910,000 | 922,000 | 940,000 | 899,000 |
| Securities available for sale | 2,016,000 | 1,961,000 | 1,964,000 | 1,960,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,485,000 | 101,958,000 | 102,058,000 | 101,047,000 |
| Interest-bearing deposits | 99,388,000 | 99,021,000 | 98,531,000 | 97,473,000 |
| Noninterest-bearing deposits | 3,097,000 | 2,937,000 | 3,527,000 | 3,574,000 |
| Equity capital | 15,160,000 | 15,238,000 | 15,052,000 | 15,188,000 |
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 | 1,389,000 | 2,723,000 | 3,985,000 | 5,228,000 |
| Interest expense | 285,000 | 559,000 | 720,000 | 874,000 |
| Net interest income | 1,104,000 | 2,164,000 | 3,265,000 | 4,354,000 |
| Noninterest income | 19,000 | 38,000 | 46,000 | 26,000 |
| Noninterest expense | 882,000 | 1,740,000 | 2,604,000 | 3,492,000 |
| Provision for loan losses | -15,000 | 36,000 | 76,000 | 80,000 |
| Pretax income | 256,000 | 426,000 | 631,000 | 808,000 |
| Income tax | 87,000 | 146,000 | 209,000 | 247,000 |
| Net income | 169,000 | 280,000 | 422,000 | 561,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,150,000 | 15,261,000 | 15,073,000 | 15,212,000 |
| Total capital | 16,058,000 | 16,128,000 | 15,921,000 | 16,045,000 |
| Risk-weighted assets | 72,668,000 | 69,307,000 | 67,748,000 | 66,585,000 |