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 | 120,200,000 | 114,840,000 | 113,236,000 | 113,023,000 |
| Total loans | 82,217,000 | 84,116,000 | 86,677,000 | 88,467,000 |
| Allowance for loan losses | 857,000 | 889,000 | 925,000 | 901,000 |
| Securities available for sale | 18,101,000 | 17,708,000 | 17,520,000 | 15,870,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,287,000 | 103,771,000 | 101,982,000 | 101,719,000 |
| Interest-bearing deposits | 89,277,000 | 83,999,000 | 82,118,000 | 81,847,000 |
| Noninterest-bearing deposits | 20,010,000 | 19,772,000 | 19,864,000 | 19,872,000 |
| Equity capital | 10,580,000 | 10,721,000 | 10,842,000 | 10,887,000 |
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 | 1,115,000 | 2,255,000 | 3,419,000 | 4,602,000 |
| Interest expense | 96,000 | 190,000 | 282,000 | 372,000 |
| Net interest income | 1,019,000 | 2,065,000 | 3,137,000 | 4,230,000 |
| Noninterest income | 129,000 | 267,000 | 406,000 | 544,000 |
| Noninterest expense | 982,000 | 2,002,000 | 3,001,000 | 3,944,000 |
| Provision for loan losses | 33,000 | 66,000 | 99,000 | 120,000 |
| Pretax income | 133,000 | 264,000 | 443,000 | 710,000 |
| Income tax | 23,000 | 48,000 | 87,000 | 173,000 |
| Net income | 110,000 | 216,000 | 356,000 | 537,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,715,000 | 9,806,000 | 9,931,000 | 9,967,000 |
| Total capital | 10,572,000 | 10,695,000 | 10,850,000 | 10,868,000 |
| Risk-weighted assets | 70,920,000 | 72,148,000 | 73,517,000 | 74,657,000 |