Call reports 2013
PEOPLE'S COMMUNITY STATE BANK — 2013
What PEOPLE'S COMMUNITY 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 | 128,894,000 | 129,825,000 | 132,337,000 | 132,178,000 |
| Total loans | 84,965,000 | 84,136,000 | 85,445,000 | 83,639,000 |
| Allowance for loan losses | 1,828,000 | 1,777,000 | 1,799,000 | 1,800,000 |
| Securities available for sale | 25,405,000 | 25,394,000 | 28,560,000 | 28,321,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,330,000 | 108,249,000 | 109,449,000 | 108,991,000 |
| Interest-bearing deposits | 95,135,000 | 98,186,000 | 97,835,000 | 97,756,000 |
| Noninterest-bearing deposits | 10,195,000 | 10,063,000 | 11,614,000 | 11,235,000 |
| Equity capital | 22,582,000 | 20,488,000 | 21,692,000 | 22,265,000 |
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 | 1,478,000 | 2,982,000 | 4,506,000 | 6,034,000 |
| Interest expense | 163,000 | 325,000 | 486,000 | 651,000 |
| Net interest income | 1,315,000 | 2,657,000 | 4,020,000 | 5,383,000 |
| Noninterest income | 337,000 | 695,000 | 1,039,000 | 1,405,000 |
| Noninterest expense | 827,000 | 1,645,000 | 2,398,000 | 3,373,000 |
| Provision for loan losses | 46,000 | 94,000 | 142,000 | 191,000 |
| Pretax income | 779,000 | 1,613,000 | 2,519,000 | 3,224,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 2,000 |
| Net income | 778,000 | 1,612,000 | 2,518,000 | 3,222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,927,000 | 19,960,000 | 20,866,000 | 21,570,000 |
| Total capital | 22,046,000 | 21,080,000 | 22,012,000 | 22,697,000 |
| Risk-weighted assets | 88,100,000 | 88,259,000 | 90,392,000 | 88,813,000 |