Call reports 2015
PEOPLES SAVINGS AND LOAN COMPANY, THE — 2015
What PEOPLES SAVINGS AND LOAN COMPANY, THE 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 | 139,714,000 | 138,094,000 | 141,114,000 | 143,612,000 |
| Total loans | 59,881,000 | 59,299,000 | 58,016,000 | 58,014,000 |
| Allowance for loan losses | 184,000 | 181,000 | 190,000 | 192,000 |
| Securities available for sale | 118,000 | 114,000 | 114,000 | 84,000 |
| Securities held to maturity | 45,128,000 | 44,177,000 | 46,080,000 | 46,955,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,493,000 | 111,643,000 | 114,456,000 | 116,784,000 |
| Interest-bearing deposits | 109,554,000 | 107,631,000 | 109,707,000 | 111,502,000 |
| Noninterest-bearing deposits | 3,939,000 | 4,012,000 | 4,749,000 | 5,282,000 |
| Equity capital | 26,093,000 | 26,386,000 | 26,579,000 | 26,719,000 |
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 | 1,243,000 | 2,472,000 | 3,689,000 | 4,898,000 |
| Interest expense | 161,000 | 320,000 | 483,000 | 645,000 |
| Net interest income | 1,082,000 | 2,152,000 | 3,206,000 | 4,253,000 |
| Noninterest income | 32,000 | 107,000 | 159,000 | 192,000 |
| Noninterest expense | 906,000 | 1,779,000 | 2,642,000 | 3,528,000 |
| Provision for loan losses | 30,000 | 60,000 | 100,000 | 110,000 |
| Pretax income | 178,000 | 420,000 | 623,000 | 807,000 |
| Income tax | -34,000 | -88,000 | -78,000 | -53,000 |
| Net income | 212,000 | 508,000 | 701,000 | 860,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,049,000 | 26,345,000 | 26,538,000 | 26,697,000 |
| Total capital | 26,233,000 | 26,526,000 | 26,728,000 | 26,889,000 |
| Risk-weighted assets | 48,068,000 | 47,629,000 | 48,406,000 | 48,964,000 |