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 | 70,361,000 | 68,668,000 | 75,061,000 | 74,679,000 |
| Total loans | 53,053,000 | 52,645,000 | 51,762,000 | 53,600,000 |
| Allowance for loan losses | 1,203,000 | 1,196,000 | 1,144,000 | 1,037,000 |
| Securities available for sale | 4,591,000 | 4,377,000 | 4,246,000 | 5,196,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,200,000 | 61,535,000 | 67,781,000 | 67,293,000 |
| Interest-bearing deposits | 52,348,000 | 50,415,000 | 56,029,000 | 54,912,000 |
| Noninterest-bearing deposits | 10,852,000 | 11,120,000 | 11,752,000 | 12,381,000 |
| Equity capital | 6,934,000 | 6,923,000 | 7,021,000 | 7,021,000 |
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 | 711,000 | 1,436,000 | 2,157,000 | 2,889,000 |
| Interest expense | 66,000 | 130,000 | 197,000 | 268,000 |
| Net interest income | 645,000 | 1,306,000 | 1,960,000 | 2,621,000 |
| Noninterest income | 102,000 | 221,000 | 396,000 | 523,000 |
| Noninterest expense | 631,000 | 1,331,000 | 2,046,000 | 2,788,000 |
| Provision for loan losses | 0 | 0 | 0 | -50,000 |
| Pretax income | 114,000 | 194,000 | 308,000 | 404,000 |
| Income tax | 40,000 | 68,000 | 108,000 | 142,000 |
| Net income | 74,000 | 126,000 | 200,000 | 262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,587,000 | 6,619,000 | 6,748,000 | 6,736,000 |
| Total capital | 7,265,000 | 7,308,000 | 7,426,000 | 7,445,000 |
| Risk-weighted assets | 53,793,000 | 54,426,000 | 53,628,000 | 56,246,000 |