Call reports 2013
PEOPLES BANK OF THE SOUTH — 2013
What PEOPLES BANK OF THE SOUTH 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 | 145,955,000 | 148,710,000 | 148,499,000 | 146,167,000 |
| Total loans | 119,200,000 | 116,433,000 | 117,095,000 | 115,986,000 |
| Allowance for loan losses | 2,592,000 | 2,312,000 | 1,692,000 | 2,004,000 |
| Securities available for sale | 5,489,000 | 4,956,000 | 4,622,000 | 4,090,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,285,000 | 128,118,000 | 127,778,000 | 126,253,000 |
| Interest-bearing deposits | 100,086,000 | 100,581,000 | 99,857,000 | 98,461,000 |
| Noninterest-bearing deposits | 25,199,000 | 27,537,000 | 27,921,000 | 27,792,000 |
| Equity capital | 19,543,000 | 19,578,000 | 19,726,000 | 19,254,000 |
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 | 1,808,000 | 3,581,000 | 5,402,000 | 7,100,000 |
| Interest expense | 153,000 | 303,000 | 454,000 | 602,000 |
| Net interest income | 1,655,000 | 3,278,000 | 4,948,000 | 6,498,000 |
| Noninterest income | 135,000 | 329,000 | 475,000 | 688,000 |
| Noninterest expense | 1,207,000 | 2,397,000 | 3,589,000 | 4,895,000 |
| Provision for loan losses | 25,000 | 50,000 | 175,000 | 485,000 |
| Pretax income | 558,000 | 1,160,000 | 1,660,000 | 1,807,000 |
| Income tax | 37,000 | 76,000 | 109,000 | 123,000 |
| Net income | 521,000 | 1,084,000 | 1,551,000 | 1,684,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,315,000 | 19,385,000 | 19,565,000 | 19,122,000 |
| Total capital | 20,658,000 | 20,698,000 | 20,702,000 | 20,432,000 |
| Risk-weighted assets | 106,206,000 | 104,057,000 | 105,066,000 | 104,139,000 |