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 | 89,457,000 | 89,354,000 | 88,345,000 | 88,220,000 |
| Total loans | 44,693,000 | 46,745,000 | 46,454,000 | 43,480,000 |
| Allowance for loan losses | 513,000 | 547,000 | 583,000 | 609,000 |
| Securities available for sale | 36,515,000 | 35,685,000 | 34,704,000 | 37,706,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,868,000 | 66,595,000 | 68,119,000 | 67,855,000 |
| Interest-bearing deposits | 58,814,000 | 54,818,000 | 48,558,000 | 55,483,000 |
| Noninterest-bearing deposits | 12,054,000 | 11,777,000 | 19,561,000 | 12,372,000 |
| Equity capital | 12,287,000 | 11,368,000 | 11,605,000 | 11,624,000 |
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 | 949,000 | 1,896,000 | 2,861,000 | 3,764,000 |
| Interest expense | 228,000 | 448,000 | 671,000 | 886,000 |
| Net interest income | 721,000 | 1,448,000 | 2,190,000 | 2,878,000 |
| Noninterest income | 116,000 | 224,000 | 240,000 | 393,000 |
| Noninterest expense | 564,000 | 1,138,000 | 1,718,000 | 2,341,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 243,000 | 474,000 | 708,000 | 920,000 |
| Income tax | 3,000 | 14,000 | 25,000 | 35,000 |
| Net income | 240,000 | 460,000 | 683,000 | 885,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,169,000 | 11,088,000 | 11,312,000 | 11,513,000 |
| Total capital | 11,682,000 | 11,635,000 | 11,895,000 | 12,122,000 |
| Risk-weighted assets | 49,755,000 | 51,349,000 | 51,019,000 | 48,642,000 |