Call reports 2015
PEOPLES STATE BANK & TRUST — 2015
What PEOPLES STATE BANK & TRUST 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 | 79,591,000 | 82,410,000 | 81,563,000 | 81,325,000 |
| Total loans | 52,743,000 | 56,918,000 | 50,265,000 | 45,253,000 |
| Allowance for loan losses | 848,000 | 851,000 | 851,000 | 852,000 |
| Securities available for sale | 5,682,000 | 5,154,000 | 5,642,000 | 5,593,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,200,000 | 71,288,000 | 70,049,000 | 70,485,000 |
| Interest-bearing deposits | 51,965,000 | 51,997,000 | 52,873,000 | 54,073,000 |
| Noninterest-bearing deposits | 17,235,000 | 19,291,000 | 17,176,000 | 16,412,000 |
| Equity capital | 9,294,000 | 9,521,000 | 9,989,000 | 9,424,000 |
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 | 909,000 | 1,877,000 | 2,851,000 | 3,855,000 |
| Interest expense | 53,000 | 105,000 | 158,000 | 210,000 |
| Net interest income | 856,000 | 1,772,000 | 2,693,000 | 3,645,000 |
| Noninterest income | 284,000 | 479,000 | 1,074,000 | 1,465,000 |
| Noninterest expense | 766,000 | 1,511,000 | 2,295,000 | 3,135,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 374,000 | 740,000 | 1,474,000 | 1,977,000 |
| Income tax | 138,000 | 274,000 | 546,000 | 584,000 |
| Net income | 236,000 | 466,000 | 928,000 | 1,393,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,270,000 | 9,500,000 | 9,962,000 | 9,416,000 |
| Total capital | 10,048,000 | 10,305,000 | 10,691,000 | 10,118,000 |
| Risk-weighted assets | 62,184,000 | 64,347,000 | 58,223,000 | 56,044,000 |