Call reports 2016
PEOPLES SAVINGS AND LOAN COMPANY, THE — 2016
What PEOPLES SAVINGS AND LOAN COMPANY, THE 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 | 142,944,000 | 141,140,000 | 141,277,000 | 141,904,000 |
| Total loans | 57,987,000 | 57,247,000 | 56,858,000 | 56,090,000 |
| Allowance for loan losses | 215,000 | 179,000 | 183,000 | 183,000 |
| Securities available for sale | 69,000 | 96,000 | 81,000 | 193,000 |
| Securities held to maturity | 48,112,000 | 46,449,000 | 48,346,000 | 49,285,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,003,000 | 113,838,000 | 113,770,000 | 114,112,000 |
| Interest-bearing deposits | 111,006,000 | 109,017,000 | 109,201,000 | 109,213,000 |
| Noninterest-bearing deposits | 4,997,000 | 4,821,000 | 4,569,000 | 4,899,000 |
| Equity capital | 26,881,000 | 27,247,000 | 27,441,000 | 27,671,000 |
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 | 1,232,000 | 2,500,000 | 3,719,000 | 4,905,000 |
| Interest expense | 158,000 | 315,000 | 472,000 | 627,000 |
| Net interest income | 1,074,000 | 2,185,000 | 3,247,000 | 4,278,000 |
| Noninterest income | 20,000 | 105,000 | 131,000 | 166,000 |
| Noninterest expense | 896,000 | 1,801,000 | 2,675,000 | 3,594,000 |
| Provision for loan losses | 30,000 | 50,000 | 60,000 | 60,000 |
| Pretax income | 168,000 | 439,000 | 643,000 | 790,000 |
| Income tax | -3,000 | -81,000 | -81,000 | -91,000 |
| Net income | 171,000 | 520,000 | 724,000 | 881,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,869,000 | 27,218,000 | 27,421,000 | 27,578,000 |
| Total capital | 27,084,000 | 27,397,000 | 27,604,000 | 27,761,000 |
| Risk-weighted assets | 48,286,000 | 47,779,000 | 47,637,000 | 47,077,000 |