Call reports 2016
PERSONS BANKING COMPANY — 2016
What PERSONS BANKING COMPANY 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 | 327,044,000 | 325,923,000 | 329,200,000 | 325,302,000 |
| Total loans | 217,292,000 | 216,359,000 | 212,863,000 | 205,869,000 |
| Allowance for loan losses | 2,670,000 | 2,488,000 | 2,328,000 | 2,873,000 |
| Securities available for sale | 49,679,000 | 51,664,000 | 54,027,000 | 61,524,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 301,644,000 | 299,867,000 | 303,079,000 | 302,254,000 |
| Interest-bearing deposits | 227,789,000 | 223,135,000 | 220,423,000 | 222,055,000 |
| Noninterest-bearing deposits | 73,855,000 | 76,732,000 | 82,656,000 | 80,199,000 |
| Equity capital | 20,473,000 | 21,188,000 | 21,408,000 | 18,416,000 |
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 | 3,257,000 | 6,506,000 | 9,802,000 | 12,951,000 |
| Interest expense | 184,000 | 363,000 | 540,000 | 711,000 |
| Net interest income | 3,073,000 | 6,143,000 | 9,262,000 | 12,240,000 |
| Noninterest income | 647,000 | 1,366,000 | 2,128,000 | 2,703,000 |
| Noninterest expense | 3,219,000 | 6,000,000 | 9,385,000 | 12,919,000 |
| Provision for loan losses | 90,000 | 813,000 | 903,000 | 2,268,000 |
| Pretax income | 426,000 | 713,000 | 1,119,000 | -227,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 426,000 | 713,000 | 1,119,000 | -227,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,319,000 | 20,607,000 | 21,013,000 | 19,666,000 |
| Total capital | 22,989,000 | 23,095,000 | 23,341,000 | 22,302,000 |
| Risk-weighted assets | 222,096,000 | 220,546,000 | 216,194,000 | 210,640,000 |