Call reports 2014
PEOPLES FIRST SAVINGS BANK — 2014
What PEOPLES FIRST SAVINGS 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 | 59,048,000 | 60,023,000 | 59,934,000 | 67,273,000 |
| Total loans | 48,360,000 | 49,838,000 | 51,010,000 | 51,769,000 |
| Allowance for loan losses | 383,000 | 394,000 | 425,000 | 312,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,797,000 | 1,798,000 | 1,800,000 | 1,864,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,613,000 | 44,502,000 | 44,341,000 | 51,580,000 |
| Interest-bearing deposits | 41,521,000 | 42,299,000 | 42,175,000 | 49,100,000 |
| Noninterest-bearing deposits | 2,092,000 | 2,203,000 | 2,166,000 | 2,480,000 |
| Equity capital | 6,402,000 | 6,468,000 | 6,520,000 | 6,594,000 |
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 | 636,000 | 1,289,000 | 1,947,000 | 2,622,000 |
| Interest expense | 117,000 | 239,000 | 363,000 | 496,000 |
| Net interest income | 519,000 | 1,050,000 | 1,584,000 | 2,126,000 |
| Noninterest income | 25,000 | 78,000 | 115,000 | 146,000 |
| Noninterest expense | 477,000 | 936,000 | 1,404,000 | 1,839,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 37,000 | 132,000 | 205,000 | 313,000 |
| Income tax | 9,000 | 38,000 | 59,000 | 93,000 |
| Net income | 28,000 | 94,000 | 146,000 | 220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,402,000 | 6,468,000 | 6,520,000 | 6,594,000 |
| Total capital | 6,785,000 | 6,862,000 | 6,945,000 | 6,906,000 |
| Risk-weighted assets | 35,155,000 | 37,201,000 | 38,059,000 | 35,669,000 |
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