Call reports 2016
PSB BANK — 2016
What PSB BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 224,782,000 | 224,909,000 | 226,787,000 | 232,036,000 |
| Total loans | 173,923,000 | 176,763,000 | 180,345,000 | 174,835,000 |
| Allowance for loan losses | 1,675,000 | 1,701,000 | 1,463,000 | 1,458,000 |
| Securities available for sale | 21,899,000 | 26,739,000 | 26,486,000 | 33,604,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,752,000 | 203,407,000 | 200,291,000 | 210,923,000 |
| Interest-bearing deposits | 156,108,000 | 153,877,000 | 149,755,000 | 160,937,000 |
| Noninterest-bearing deposits | 47,644,000 | 49,530,000 | 50,536,000 | 49,986,000 |
| Equity capital | 20,506,000 | 20,882,000 | 20,640,000 | 20,445,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,147,000 | 4,341,000 | 6,560,000 | 8,736,000 |
| Interest expense | 198,000 | 386,000 | 575,000 | 764,000 |
| Net interest income | 1,949,000 | 3,955,000 | 5,985,000 | 7,972,000 |
| Noninterest income | 273,000 | 558,000 | 833,000 | 1,117,000 |
| Noninterest expense | 1,820,000 | 3,615,000 | 5,400,000 | 7,156,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 557,000 | 1,110,000 | 1,585,000 | 2,055,000 |
| Income tax | 174,000 | 351,000 | 498,000 | 641,000 |
| Net income | 383,000 | 759,000 | 1,087,000 | 1,414,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,466,000 | 20,763,000 | 20,584,000 | 20,686,000 |
| Total capital | 22,141,000 | 22,464,000 | 22,047,000 | 22,144,000 |
| Risk-weighted assets | 165,526,000 | 166,803,000 | 170,727,000 | 167,567,000 |