Call reports 2013
PEOPLES FIRST SAVINGS BANK — 2013
What PEOPLES FIRST SAVINGS 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 | 57,288,000 | 59,321,000 | 58,519,000 | 57,664,000 |
| Total loans | 46,005,000 | 46,764,000 | 46,849,000 | 48,473,000 |
| Allowance for loan losses | 324,000 | 354,000 | 300,000 | 353,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,393,000 | 1,394,000 | 1,395,000 | 1,397,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,959,000 | 43,896,000 | 43,078,000 | 42,187,000 |
| Interest-bearing deposits | 39,840,000 | 41,662,000 | 40,683,000 | 40,175,000 |
| Noninterest-bearing deposits | 2,119,000 | 2,234,000 | 2,395,000 | 2,012,000 |
| Equity capital | 6,223,000 | 6,294,000 | 6,319,000 | 6,374,000 |
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 | 592,000 | 1,225,000 | 1,860,000 | 2,497,000 |
| Interest expense | 117,000 | 235,000 | 354,000 | 472,000 |
| Net interest income | 475,000 | 990,000 | 1,506,000 | 2,025,000 |
| Noninterest income | 26,000 | 67,000 | 93,000 | 128,000 |
| Noninterest expense | 411,000 | 832,000 | 1,282,000 | 1,706,000 |
| Provision for loan losses | 15,000 | 45,000 | 100,000 | 153,000 |
| Pretax income | 75,000 | 180,000 | 217,000 | 294,000 |
| Income tax | 22,000 | 51,000 | 63,000 | 85,000 |
| Net income | 53,000 | 129,000 | 154,000 | 209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,218,000 | 6,294,000 | 6,319,000 | 6,374,000 |
| Total capital | 6,542,000 | 6,648,000 | 6,619,000 | 6,727,000 |
| Risk-weighted assets | 33,096,000 | 34,006,000 | 31,670,000 | 34,491,000 |
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