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 | 16,404,000 | 16,168,000 | 16,316,000 | 16,534,000 |
| Total loans | 13,562,000 | 12,911,000 | 14,054,000 | 14,470,000 |
| Allowance for loan losses | 208,000 | 191,000 | 189,000 | 205,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 525,000 | 626,000 | 462,000 | 560,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,399,000 | 11,241,000 | 11,165,000 | 11,763,000 |
| Interest-bearing deposits | 7,824,000 | 7,864,000 | 7,607,000 | 7,818,000 |
| Noninterest-bearing deposits | 3,575,000 | 3,377,000 | 3,558,000 | 3,945,000 |
| Equity capital | 4,707,000 | 4,677,000 | 4,666,000 | 4,603,000 |
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 | 278,000 | 551,000 | 824,000 | 1,099,000 |
| Interest expense | 17,000 | 33,000 | 48,000 | 63,000 |
| Net interest income | 261,000 | 518,000 | 776,000 | 1,036,000 |
| Noninterest income | 61,000 | 140,000 | 212,000 | 250,000 |
| Noninterest expense | 144,000 | 282,000 | 430,000 | 590,000 |
| Provision for loan losses | 0 | 20,000 | 20,000 | 40,000 |
| Pretax income | 178,000 | 356,000 | 538,000 | 656,000 |
| Income tax | 5,000 | 13,000 | 21,000 | 27,000 |
| Net income | 173,000 | 343,000 | 517,000 | 629,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,707,000 | 4,677,000 | 4,666,000 | 4,603,000 |
| Total capital | 4,869,000 | 4,831,000 | 4,833,000 | 4,773,000 |
| Risk-weighted assets | 12,906,000 | 12,220,000 | 13,348,000 | 13,513,000 |