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 | 50,258,000 | 51,616,000 | 50,537,000 | 50,583,000 |
| Total loans | 35,731,000 | 35,606,000 | 35,251,000 | 35,642,000 |
| Allowance for loan losses | 762,000 | 761,000 | 764,000 | 766,000 |
| Securities available for sale | 4,844,000 | 5,452,000 | 5,000,000 | 6,015,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,105,000 | 41,571,000 | 40,469,000 | 40,591,000 |
| Interest-bearing deposits | 35,624,000 | 37,033,000 | 35,975,000 | 36,149,000 |
| Noninterest-bearing deposits | 4,481,000 | 4,538,000 | 4,494,000 | 4,442,000 |
| Equity capital | 6,544,000 | 6,546,000 | 6,613,000 | 6,653,000 |
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 | 486,000 | 964,000 | 1,444,000 | 1,938,000 |
| Interest expense | 60,000 | 117,000 | 175,000 | 232,000 |
| Net interest income | 426,000 | 847,000 | 1,269,000 | 1,706,000 |
| Noninterest income | 32,000 | 67,000 | 103,000 | 133,000 |
| Noninterest expense | 376,000 | 742,000 | 1,107,000 | 1,528,000 |
| Provision for loan losses | 6,000 | 12,000 | 14,000 | 14,000 |
| Pretax income | 76,000 | 160,000 | 251,000 | 297,000 |
| Income tax | 22,000 | 47,000 | 74,000 | 87,000 |
| Net income | 54,000 | 113,000 | 177,000 | 210,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,492,000 | 6,551,000 | 6,616,000 | 6,649,000 |
| Total capital | 6,824,000 | 6,891,000 | 6,949,000 | 6,995,000 |
| Risk-weighted assets | 26,159,000 | 26,807,000 | 26,232,000 | 27,298,000 |