Call reports 2016
PEOPLES STATE BANK OF MUNISING — 2016
What PEOPLES STATE BANK OF MUNISING 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 | 129,302,000 | 128,661,000 | 133,382,000 | 131,807,000 |
| Total loans | 74,380,000 | 75,148,000 | 77,351,000 | 79,462,000 |
| Allowance for loan losses | 1,780,000 | 1,824,000 | 1,892,000 | 1,841,000 |
| Securities available for sale | 37,018,000 | 39,544,000 | 40,833,000 | 39,713,000 |
| Securities held to maturity | 854,000 | 827,000 | 1,007,000 | 860,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,196,000 | 108,881,000 | 113,298,000 | 110,481,000 |
| Interest-bearing deposits | 85,452,000 | 85,166,000 | 84,148,000 | 84,150,000 |
| Noninterest-bearing deposits | 23,743,000 | 23,715,000 | 29,150,000 | 26,331,000 |
| Equity capital | 17,876,000 | 18,277,000 | 18,620,000 | 17,559,000 |
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 | 1,300,000 | 2,585,000 | 3,925,000 | 5,260,000 |
| Interest expense | 168,000 | 328,000 | 482,000 | 631,000 |
| Net interest income | 1,132,000 | 2,257,000 | 3,443,000 | 4,629,000 |
| Noninterest income | 132,000 | 273,000 | 356,000 | 524,000 |
| Noninterest expense | 865,000 | 1,744,000 | 2,607,000 | 3,491,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 90,000 |
| Pretax income | 369,000 | 726,000 | 1,102,000 | 1,595,000 |
| Income tax | 67,000 | 127,000 | 194,000 | 166,000 |
| Net income | 302,000 | 599,000 | 908,000 | 1,429,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,903,000 | 16,200,000 | 16,509,000 | 16,130,000 |
| Total capital | 17,015,000 | 17,312,000 | 17,659,000 | 17,313,000 |
| Risk-weighted assets | 88,263,000 | 88,284,000 | 91,218,000 | 94,018,000 |