Call reports 2015
PSB BANK — 2015
What PSB BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 215,392,000 | 218,692,000 | 217,567,000 | 223,996,000 |
| Total loans | 153,351,000 | 158,304,000 | 164,322,000 | 172,426,000 |
| Allowance for loan losses | 1,523,000 | 1,561,000 | 1,597,000 | 1,630,000 |
| Securities available for sale | 41,801,000 | 41,438,000 | 31,497,000 | 31,613,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,422,000 | 196,038,000 | 194,034,000 | 203,202,000 |
| Interest-bearing deposits | 153,797,000 | 152,266,000 | 148,095,000 | 156,807,000 |
| Noninterest-bearing deposits | 41,625,000 | 43,772,000 | 45,939,000 | 46,395,000 |
| Equity capital | 19,440,000 | 19,282,000 | 19,941,000 | 20,109,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,036,000 | 4,116,000 | 6,246,000 | 8,493,000 |
| Interest expense | 210,000 | 412,000 | 612,000 | 805,000 |
| Net interest income | 1,826,000 | 3,704,000 | 5,634,000 | 7,688,000 |
| Noninterest income | 254,000 | 545,000 | 826,000 | 1,080,000 |
| Noninterest expense | 1,693,000 | 3,478,000 | 5,294,000 | 7,109,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 450,000 | 819,000 | 1,225,000 | 1,673,000 |
| Income tax | 133,000 | 219,000 | 319,000 | 439,000 |
| Net income | 317,000 | 600,000 | 906,000 | 1,234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,454,000 | 19,736,000 | 20,043,000 | 20,083,000 |
| Total capital | 20,977,000 | 21,297,000 | 21,640,000 | 21,713,000 |
| Risk-weighted assets | 148,896,000 | 154,409,000 | 158,090,000 | 165,017,000 |