Call reports 2015
PEOPLES STATE BANK OF MADISON LAKE — 2015
What PEOPLES STATE BANK OF MADISON LAKE 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 | 22,824,000 | 22,509,000 | 22,912,000 | 24,663,000 |
| Total loans | 14,175,000 | 14,349,000 | 14,078,000 | 14,016,000 |
| Allowance for loan losses | 207,000 | 188,000 | 183,000 | 173,000 |
| Securities available for sale | 1,546,000 | 1,504,000 | 1,169,000 | 976,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,809,000 | 20,479,000 | 20,875,000 | 22,627,000 |
| Interest-bearing deposits | 16,794,000 | 16,495,000 | 16,486,000 | 18,088,000 |
| Noninterest-bearing deposits | 4,015,000 | 3,984,000 | 4,389,000 | 4,539,000 |
| Equity capital | 1,973,000 | 1,998,000 | 2,004,000 | 1,996,000 |
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 | 209,000 | 421,000 | 633,000 | 845,000 |
| Interest expense | 20,000 | 38,000 | 55,000 | 73,000 |
| Net interest income | 189,000 | 383,000 | 578,000 | 772,000 |
| Noninterest income | 23,000 | 50,000 | 77,000 | 101,000 |
| Noninterest expense | 218,000 | 409,000 | 617,000 | 833,000 |
| Provision for loan losses | 1,000 | 0 | 0 | 0 |
| Pretax income | -7,000 | 24,000 | 38,000 | 40,000 |
| Income tax | 0 | 0 | 8,000 | 11,000 |
| Net income | -7,000 | 24,000 | 30,000 | 29,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,963,000 | 1,994,000 | 1,996,000 | 2,001,000 |
| Total capital | 2,145,000 | 2,178,000 | 2,179,000 | 2,174,000 |
| Risk-weighted assets | 14,730,000 | 14,747,000 | 15,160,000 | 15,528,000 |