Call reports 2016
PEOPLES STATE BANK — 2016
What PEOPLES STATE BANK 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 | 116,544,000 | 112,936,000 | 105,939,000 | 103,350,000 |
| Total loans | 40,927,000 | 39,955,000 | 38,548,000 | 38,845,000 |
| Allowance for loan losses | 495,000 | 497,000 | 498,000 | 499,000 |
| Securities available for sale | 49,062,000 | 47,870,000 | 50,892,000 | 50,486,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,151,000 | 102,239,000 | 95,296,000 | 93,904,000 |
| Interest-bearing deposits | 82,588,000 | 76,439,000 | 70,368,000 | 70,570,000 |
| Noninterest-bearing deposits | 23,563,000 | 25,800,000 | 24,928,000 | 23,334,000 |
| Equity capital | 10,002,000 | 10,275,000 | 10,245,000 | 9,349,000 |
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 | 900,000 | 1,796,000 | 2,703,000 | 3,557,000 |
| Interest expense | 62,000 | 131,000 | 198,000 | 255,000 |
| Net interest income | 838,000 | 1,665,000 | 2,505,000 | 3,302,000 |
| Noninterest income | 223,000 | 471,000 | 684,000 | 894,000 |
| Noninterest expense | 829,000 | 1,667,000 | 2,479,000 | 3,333,000 |
| Provision for loan losses | -155,000 | -153,000 | -150,000 | -275,000 |
| Pretax income | 405,000 | 680,000 | 918,000 | 1,196,000 |
| Income tax | 55,000 | 131,000 | 201,000 | 224,000 |
| Net income | 350,000 | 549,000 | 717,000 | 972,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,681,000 | 9,881,000 | 9,973,000 | 10,078,000 |
| Total capital | 10,185,000 | 10,387,000 | 10,480,000 | 10,586,000 |
| Risk-weighted assets | 52,514,000 | 50,823,000 | 47,632,000 | 49,258,000 |