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 | 28,482,000 | 29,253,000 | 27,805,000 | 28,279,000 |
| Total loans | 11,298,000 | 11,297,000 | 11,666,000 | 11,700,000 |
| Allowance for loan losses | 139,000 | 136,000 | 135,000 | 131,000 |
| Securities available for sale | 15,284,000 | 15,115,000 | 14,712,000 | 14,831,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,774,000 | 26,317,000 | 24,826,000 | 25,283,000 |
| Interest-bearing deposits | 20,823,000 | 21,201,000 | 19,961,000 | 20,206,000 |
| Noninterest-bearing deposits | 4,951,000 | 5,116,000 | 4,865,000 | 5,077,000 |
| Equity capital | 2,609,000 | 2,822,000 | 2,802,000 | 2,827,000 |
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 | 252,000 | 496,000 | 723,000 | 960,000 |
| Interest expense | 43,000 | 85,000 | 125,000 | 165,000 |
| Net interest income | 209,000 | 411,000 | 598,000 | 795,000 |
| Noninterest income | 16,000 | 38,000 | 60,000 | 81,000 |
| Noninterest expense | 187,000 | 382,000 | 576,000 | 780,000 |
| Provision for loan losses | 0 | 0 | 14,000 | 40,000 |
| Pretax income | 50,000 | 79,000 | 132,000 | 120,000 |
| Income tax | 2,000 | 4,000 | 7,000 | 6,000 |
| Net income | 48,000 | 75,000 | 125,000 | 114,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,575,000 | 2,603,000 | 2,653,000 | 2,572,000 |
| Total capital | 2,714,000 | 2,739,000 | 2,788,000 | 2,703,000 |
| Risk-weighted assets | 13,646,000 | 13,813,000 | 13,833,000 | 13,905,000 |