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 | 60,177,000 | 60,740,000 | 63,471,000 | 62,137,000 |
| Total loans | 42,523,000 | 45,438,000 | 44,857,000 | 44,131,000 |
| Allowance for loan losses | 686,000 | 679,000 | 668,000 | 698,000 |
| Securities available for sale | 10,547,000 | 9,802,000 | 10,805,000 | 10,895,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,539,000 | 53,584,000 | 56,169,000 | 54,911,000 |
| Interest-bearing deposits | 47,237,000 | 48,613,000 | 49,470,000 | 48,164,000 |
| Noninterest-bearing deposits | 5,302,000 | 4,971,000 | 6,699,000 | 6,747,000 |
| Equity capital | 6,982,000 | 6,979,000 | 7,096,000 | 7,121,000 |
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 | 821,000 | 1,680,000 | 2,496,000 | 3,316,000 |
| Interest expense | 108,000 | 223,000 | 339,000 | 454,000 |
| Net interest income | 713,000 | 1,457,000 | 2,157,000 | 2,862,000 |
| Noninterest income | 56,000 | 126,000 | 199,000 | 258,000 |
| Noninterest expense | 287,000 | 586,000 | 932,000 | 1,263,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 452,000 | 937,000 | 1,334,000 | 1,737,000 |
| Income tax | 18,000 | 36,000 | 54,000 | 72,000 |
| Net income | 434,000 | 901,000 | 1,280,000 | 1,665,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,742,000 | 6,884,000 | 6,963,000 | 7,024,000 |
| Total capital | 7,428,000 | 7,563,000 | 7,631,000 | 7,722,000 |
| Risk-weighted assets | 60,613,000 | 61,319,000 | 65,043,000 | 64,398,000 |