Call reports 2015
PEOPLES STATE BANK — 2015
What PEOPLES STATE BANK 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 | 116,331,000 | 109,308,000 | 106,318,000 | 105,982,000 |
| Total loans | 42,181,000 | 38,428,000 | 40,095,000 | 41,198,000 |
| Allowance for loan losses | 489,000 | 495,000 | 495,000 | 494,000 |
| Securities available for sale | 48,939,000 | 51,365,000 | 48,581,000 | 48,259,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,410,000 | 99,773,000 | 96,276,000 | 96,204,000 |
| Interest-bearing deposits | 83,981,000 | 75,438,000 | 70,756,000 | 72,429,000 |
| Noninterest-bearing deposits | 22,429,000 | 24,335,000 | 25,520,000 | 23,775,000 |
| Equity capital | 9,510,000 | 9,305,000 | 9,642,000 | 9,577,000 |
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 | 887,000 | 1,800,000 | 2,675,000 | 3,559,000 |
| Interest expense | 95,000 | 168,000 | 232,000 | 293,000 |
| Net interest income | 792,000 | 1,632,000 | 2,443,000 | 3,266,000 |
| Noninterest income | 226,000 | 433,000 | 648,000 | 863,000 |
| Noninterest expense | 774,000 | 1,567,000 | 2,376,000 | 3,222,000 |
| Provision for loan losses | 5,000 | 10,000 | 11,000 | 13,000 |
| Pretax income | 290,000 | 539,000 | 777,000 | 974,000 |
| Income tax | 60,000 | 123,000 | 188,000 | 225,000 |
| Net income | 230,000 | 416,000 | 589,000 | 749,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,212,000 | 9,323,000 | 9,421,000 | 9,481,000 |
| Total capital | 9,710,000 | 9,827,000 | 9,925,000 | 9,984,000 |
| Risk-weighted assets | 52,269,000 | 50,129,000 | 49,831,000 | 50,588,000 |