Call reports 2013
PEOPLES FEDERAL SAVINGS BANK OF DEKALB COUNTY — 2013
What PEOPLES FEDERAL SAVINGS BANK OF DEKALB COUNTY 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 | 470,929,000 | 465,643,000 | 452,217,000 | 464,947,000 |
| Total loans | 230,802,000 | 237,057,000 | 230,664,000 | 235,330,000 |
| Allowance for loan losses | 2,427,000 | 2,385,000 | 2,303,000 | 2,232,000 |
| Securities available for sale | 193,608,000 | 184,514,000 | 180,939,000 | 175,225,000 |
| Securities held to maturity | 0 | 0 | 0 | 10,137,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 367,059,000 | 361,759,000 | 354,460,000 | 357,763,000 |
| Interest-bearing deposits | 336,042,000 | 331,795,000 | 324,231,000 | 326,933,000 |
| Noninterest-bearing deposits | 31,017,000 | 29,964,000 | 30,229,000 | 30,830,000 |
| Equity capital | 57,597,000 | 55,129,000 | 54,425,000 | 54,372,000 |
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 | 3,848,000 | 7,686,000 | 11,541,000 | 15,484,000 |
| Interest expense | 969,000 | 1,794,000 | 2,581,000 | 3,346,000 |
| Net interest income | 2,879,000 | 5,892,000 | 8,960,000 | 12,138,000 |
| Noninterest income | 772,000 | 1,548,000 | 2,257,000 | 2,948,000 |
| Noninterest expense | 3,004,000 | 6,921,000 | 9,946,000 | 12,872,000 |
| Provision for loan losses | 63,000 | 126,000 | 169,000 | 213,000 |
| Pretax income | 584,000 | 1,473,000 | 2,182,000 | 3,081,000 |
| Income tax | -10,000 | 105,000 | 160,000 | 274,000 |
| Net income | 594,000 | 1,368,000 | 2,022,000 | 2,807,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,132,000 | 51,407,000 | 51,363,000 | 51,550,000 |
| Total capital | 53,559,000 | 53,792,000 | 53,666,000 | 53,782,000 |
| Risk-weighted assets | 242,318,000 | 246,221,000 | 239,015,000 | 246,276,000 |