Call reports 2015
PERSONS BANKING COMPANY — 2015
What PERSONS BANKING COMPANY 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 | 334,166,000 | 329,727,000 | 328,411,000 | 322,821,000 |
| Total loans | 240,894,000 | 238,199,000 | 231,708,000 | 224,520,000 |
| Allowance for loan losses | 3,003,000 | 2,723,000 | 2,521,000 | 2,679,000 |
| Securities available for sale | 42,771,000 | 44,557,000 | 45,028,000 | 48,164,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 307,146,000 | 303,758,000 | 302,579,000 | 298,552,000 |
| Interest-bearing deposits | 231,431,000 | 229,909,000 | 226,286,000 | 223,944,000 |
| Noninterest-bearing deposits | 75,715,000 | 73,849,000 | 76,293,000 | 74,608,000 |
| Equity capital | 22,068,000 | 21,092,000 | 20,722,000 | 18,969,000 |
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 | 3,334,000 | 6,696,000 | 10,062,000 | 13,421,000 |
| Interest expense | 207,000 | 407,000 | 605,000 | 793,000 |
| Net interest income | 3,127,000 | 6,289,000 | 9,457,000 | 12,628,000 |
| Noninterest income | -5,163,000 | -4,767,000 | -4,816,000 | -4,654,000 |
| Noninterest expense | 4,302,000 | 8,137,000 | 11,917,000 | 16,090,000 |
| Provision for loan losses | 105,000 | 402,000 | 727,000 | 1,042,000 |
| Pretax income | -6,208,000 | -6,782,000 | -7,768,000 | -8,923,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -6,208,000 | -6,782,000 | -7,768,000 | -8,923,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,609,000 | 22,034,000 | 21,049,000 | 19,893,000 |
| Total capital | 25,612,000 | 24,757,000 | 23,570,000 | 22,572,000 |
| Risk-weighted assets | 248,541,000 | 245,339,000 | 239,700,000 | 229,690,000 |