Call reports 2023
PEOPLES FIRST SAVINGS BANK — 2023
What PEOPLES FIRST SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 91,276,000 | 97,082,000 | 99,446,000 | 98,649,000 |
| Total loans | 82,837,000 | 86,774,000 | 90,443,000 | 91,693,000 |
| Allowance for loan losses | 588,000 | 591,000 | 594,000 | 597,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 202,000 | 202,000 | 202,000 | 202,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,094,000 | 75,443,000 | 77,886,000 | 76,937,000 |
| Interest-bearing deposits | 62,973,000 | 65,077,000 | 67,926,000 | 67,538,000 |
| Noninterest-bearing deposits | 10,121,000 | 10,366,000 | 9,960,000 | 9,399,000 |
| Equity capital | 8,906,000 | 8,986,000 | 9,069,000 | 9,143,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,118,000 | 2,286,000 | 3,600,000 | 4,972,000 |
| Interest expense | 344,000 | 770,000 | 1,337,000 | 1,957,000 |
| Net interest income | 774,000 | 1,516,000 | 2,263,000 | 3,015,000 |
| Noninterest income | 83,000 | 151,000 | 237,000 | 322,000 |
| Noninterest expense | 696,000 | 1,402,000 | 2,126,000 | 2,872,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 158,000 | 259,000 | 365,000 | 453,000 |
| Income tax | 32,000 | 53,000 | 76,000 | 90,000 |
| Net income | 126,000 | 206,000 | 289,000 | 363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,906,000 | 8,986,000 | 9,069,000 | 9,143,000 |
| Total capital | 9,494,000 | 9,577,000 | 9,663,000 | 9,740,000 |
| Risk-weighted assets | 63,149,000 | 66,348,000 | 67,526,000 | 67,716,000 |