Call reports 2020
PEOPLES FIRST SAVINGS BANK — 2020
What PEOPLES FIRST SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 71,063,000 | 71,030,000 | 67,706,000 | 65,894,000 |
| Total loans | 54,199,000 | 52,217,000 | 54,928,000 | 53,059,000 |
| Allowance for loan losses | 557,000 | 559,000 | 562,000 | 564,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 251,000 | 251,000 | 251,000 | 454,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,915,000 | 59,872,000 | 57,095,000 | 55,130,000 |
| Interest-bearing deposits | 54,867,000 | 53,520,000 | 50,697,000 | 48,713,000 |
| Noninterest-bearing deposits | 5,048,000 | 6,352,000 | 6,398,000 | 6,417,000 |
| Equity capital | 7,968,000 | 8,067,000 | 8,161,000 | 8,275,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 723,000 | 1,354,000 | 1,971,000 | 2,594,000 |
| Interest expense | 191,000 | 357,000 | 507,000 | 622,000 |
| Net interest income | 532,000 | 997,000 | 1,464,000 | 1,972,000 |
| Noninterest income | 93,000 | 363,000 | 706,000 | 1,051,000 |
| Noninterest expense | 592,000 | 1,203,000 | 1,894,000 | 2,602,000 |
| Provision for loan losses | 2,000 | 4,000 | 7,000 | 9,000 |
| Pretax income | 31,000 | 153,000 | 269,000 | 412,000 |
| Income tax | 4,000 | 27,000 | 49,000 | 78,000 |
| Net income | 27,000 | 126,000 | 220,000 | 334,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,968,000 | 8,067,000 | 8,161,000 | 8,275,000 |
| Total capital | 8,525,000 | 8,610,000 | 8,718,000 | 8,823,000 |
| Risk-weighted assets | 44,590,000 | 43,460,000 | 44,532,000 | 43,832,000 |