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 | 128,114,000 | 131,515,000 | 133,248,000 | 135,206,000 |
| Total loans | 108,275,000 | 115,356,000 | 116,382,000 | 118,799,000 |
| Allowance for loan losses | 1,583,000 | 1,737,000 | 2,059,000 | 1,550,000 |
| Securities available for sale | 5,896,000 | 5,820,000 | 5,345,000 | 5,902,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,365,000 | 108,165,000 | 109,063,000 | 108,607,000 |
| Interest-bearing deposits | 85,053,000 | 91,353,000 | 87,369,000 | 87,997,000 |
| Noninterest-bearing deposits | 21,312,000 | 16,812,000 | 21,694,000 | 20,610,000 |
| Equity capital | 11,733,000 | 11,779,000 | 12,480,000 | 11,962,000 |
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 | 1,848,000 | 3,650,000 | 5,591,000 | 7,532,000 |
| Interest expense | 232,000 | 470,000 | 715,000 | 957,000 |
| Net interest income | 1,616,000 | 3,180,000 | 4,876,000 | 6,575,000 |
| Noninterest income | 127,000 | 283,000 | 463,000 | 832,000 |
| Noninterest expense | 815,000 | 1,749,000 | 2,771,000 | 3,743,000 |
| Provision for loan losses | 216,000 | 369,000 | 472,000 | 575,000 |
| Pretax income | 712,000 | 1,345,000 | 2,096,000 | 3,091,000 |
| Income tax | 35,000 | 58,000 | 89,000 | 132,000 |
| Net income | 677,000 | 1,287,000 | 2,007,000 | 2,959,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,153,000 | 11,164,000 | 11,884,000 | 11,486,000 |
| Total capital | 12,478,000 | 12,443,000 | 13,312,000 | 12,944,000 |
| Risk-weighted assets | 105,712,000 | 111,895,000 | 113,648,000 | 116,515,000 |