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 | 133,176,000 | 131,949,000 | 123,775,000 | 127,701,000 |
| Total loans | 100,019,000 | 102,836,000 | 100,594,000 | 104,295,000 |
| Allowance for loan losses | 1,508,000 | 1,538,000 | 1,707,000 | 1,365,000 |
| Securities available for sale | 5,309,000 | 5,997,000 | 6,026,000 | 5,875,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,622,000 | 110,569,000 | 102,700,000 | 106,902,000 |
| Interest-bearing deposits | 86,639,000 | 87,754,000 | 82,719,000 | 84,123,000 |
| Noninterest-bearing deposits | 24,983,000 | 22,815,000 | 19,981,000 | 22,779,000 |
| Equity capital | 11,506,000 | 11,446,000 | 11,005,000 | 10,912,000 |
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 | 1,896,000 | 3,710,000 | 5,486,000 | 7,288,000 |
| Interest expense | 266,000 | 535,000 | 792,000 | 1,034,000 |
| Net interest income | 1,630,000 | 3,175,000 | 4,694,000 | 6,254,000 |
| Noninterest income | 155,000 | 275,000 | 421,000 | 557,000 |
| Noninterest expense | 801,000 | 1,596,000 | 2,544,000 | 3,521,000 |
| Provision for loan losses | 63,000 | 126,000 | 279,000 | 432,000 |
| Pretax income | 849,000 | 1,656,000 | 2,166,000 | 2,732,000 |
| Income tax | 25,000 | 59,000 | 82,000 | 108,000 |
| Net income | 824,000 | 1,597,000 | 2,084,000 | 2,624,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,102,000 | 11,150,000 | 10,637,000 | 10,477,000 |
| Total capital | 12,381,000 | 12,444,000 | 11,893,000 | 11,784,000 |
| Risk-weighted assets | 102,108,000 | 103,284,000 | 100,020,000 | 104,514,000 |
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