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 | 89,849,000 | 88,267,000 | 89,890,000 | 89,448,000 |
| Total loans | 44,564,000 | 44,476,000 | 44,488,000 | 43,605,000 |
| Allowance for loan losses | 628,000 | 640,000 | 656,000 | 657,000 |
| Securities available for sale | 36,231,000 | 37,316,000 | 36,422,000 | 37,241,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,093,000 | 67,965,000 | 66,597,000 | 67,742,000 |
| Interest-bearing deposits | 57,682,000 | 56,251,000 | 54,781,000 | 57,524,000 |
| Noninterest-bearing deposits | 12,411,000 | 11,714,000 | 11,816,000 | 10,218,000 |
| Equity capital | 11,863,000 | 12,389,000 | 12,700,000 | 12,994,000 |
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 | 908,000 | 1,806,000 | 2,712,000 | 3,587,000 |
| Interest expense | 196,000 | 379,000 | 556,000 | 730,000 |
| Net interest income | 712,000 | 1,427,000 | 2,156,000 | 2,857,000 |
| Noninterest income | 104,000 | 200,000 | 409,000 | 518,000 |
| Noninterest expense | 595,000 | 1,181,000 | 1,835,000 | 2,401,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 285,000 | 514,000 | 784,000 | 1,023,000 |
| Income tax | 13,000 | 24,000 | 37,000 | 48,000 |
| Net income | 272,000 | 490,000 | 747,000 | 975,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,596,000 | 11,813,000 | 12,070,000 | 12,299,000 |
| Total capital | 12,220,000 | 12,433,000 | 12,684,000 | 12,904,000 |
| Risk-weighted assets | 49,838,000 | 49,505,000 | 49,067,000 | 48,339,000 |