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 | 16,796,000 | 15,695,000 | 15,643,000 | 16,808,000 |
| Total loans | 15,138,000 | 14,084,000 | 13,639,000 | 14,736,000 |
| Allowance for loan losses | 218,000 | 216,000 | 206,000 | 207,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 502,000 | 502,000 | 501,000 | 676,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,501,000 | 10,640,000 | 10,797,000 | 11,130,000 |
| Interest-bearing deposits | 7,405,000 | 7,191,000 | 7,567,000 | 7,733,000 |
| Noninterest-bearing deposits | 3,096,000 | 3,449,000 | 3,230,000 | 3,397,000 |
| Equity capital | 4,618,000 | 4,563,000 | 4,591,000 | 4,534,000 |
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 | 285,000 | 582,000 | 871,000 | 1,162,000 |
| Interest expense | 19,000 | 39,000 | 57,000 | 74,000 |
| Net interest income | 266,000 | 543,000 | 814,000 | 1,088,000 |
| Noninterest income | 61,000 | 117,000 | 185,000 | 254,000 |
| Noninterest expense | 151,000 | 300,000 | 416,000 | 558,000 |
| Provision for loan losses | 0 | 5,000 | 5,000 | 5,000 |
| Pretax income | 176,000 | 355,000 | 578,000 | 779,000 |
| Income tax | 3,000 | 11,000 | 22,000 | 30,000 |
| Net income | 173,000 | 344,000 | 556,000 | 749,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,618,000 | 4,563,000 | 4,591,000 | 4,534,000 |
| Total capital | 4,801,000 | 4,732,000 | 4,755,000 | 4,703,000 |
| Risk-weighted assets | 13,829,000 | 12,738,000 | 12,288,000 | 13,472,000 |