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 | 119,943,000 | 112,101,000 | 111,698,000 | 111,229,000 |
| Total loans | 82,384,000 | 82,739,000 | 82,909,000 | 83,637,000 |
| Allowance for loan losses | 792,000 | 818,000 | 804,000 | 855,000 |
| Securities available for sale | 15,035,000 | 17,434,000 | 17,552,000 | 18,001,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,813,000 | 101,265,000 | 100,804,000 | 100,360,000 |
| Interest-bearing deposits | 89,455,000 | 82,183,000 | 83,216,000 | 82,209,000 |
| Noninterest-bearing deposits | 19,358,000 | 19,082,000 | 17,588,000 | 18,151,000 |
| Equity capital | 10,662,000 | 10,541,000 | 10,529,000 | 10,536,000 |
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 | 1,177,000 | 2,350,000 | 3,521,000 | 4,700,000 |
| Interest expense | 113,000 | 225,000 | 333,000 | 438,000 |
| Net interest income | 1,064,000 | 2,125,000 | 3,188,000 | 4,262,000 |
| Noninterest income | 118,000 | 260,000 | 403,000 | 542,000 |
| Noninterest expense | 983,000 | 1,964,000 | 2,940,000 | 3,872,000 |
| Provision for loan losses | 63,000 | 126,000 | 189,000 | 252,000 |
| Pretax income | 136,000 | 295,000 | 462,000 | 680,000 |
| Income tax | 24,000 | 55,000 | 97,000 | 152,000 |
| Net income | 112,000 | 240,000 | 365,000 | 528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,544,000 | 9,657,000 | 9,665,000 | 9,685,000 |
| Total capital | 10,336,000 | 10,475,000 | 10,469,000 | 10,540,000 |
| Risk-weighted assets | 71,300,000 | 70,663,000 | 71,529,000 | 71,812,000 |