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 | 77,876,000 | 78,796,000 | 79,646,000 | 78,425,000 |
| Total loans | 53,716,000 | 54,155,000 | 56,571,000 | 58,230,000 |
| Allowance for loan losses | 1,032,000 | 994,000 | 954,000 | 953,000 |
| Securities available for sale | 5,035,000 | 5,361,000 | 5,518,000 | 5,088,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,574,000 | 71,043,000 | 71,492,000 | 70,437,000 |
| Interest-bearing deposits | 54,644,000 | 54,584,000 | 53,529,000 | 53,765,000 |
| Noninterest-bearing deposits | 15,930,000 | 16,459,000 | 17,963,000 | 16,672,000 |
| Equity capital | 7,066,000 | 7,177,000 | 7,222,000 | 7,196,000 |
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 | 780,000 | 1,529,000 | 2,294,000 | 3,074,000 |
| Interest expense | 67,000 | 133,000 | 198,000 | 259,000 |
| Net interest income | 713,000 | 1,396,000 | 2,096,000 | 2,815,000 |
| Noninterest income | 128,000 | 329,000 | 512,000 | 690,000 |
| Noninterest expense | 766,000 | 1,524,000 | 2,340,000 | 3,150,000 |
| Provision for loan losses | 0 | -50,000 | -100,000 | -100,000 |
| Pretax income | 75,000 | 251,000 | 368,000 | 455,000 |
| Income tax | 26,000 | 91,000 | 132,000 | 163,000 |
| Net income | 49,000 | 160,000 | 236,000 | 292,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,768,000 | 6,909,000 | 6,999,000 | 7,020,000 |
| Total capital | 7,493,000 | 7,668,000 | 7,787,000 | 7,829,000 |
| Risk-weighted assets | 57,558,000 | 60,385,000 | 62,833,000 | 64,465,000 |