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 | 62,232,000 | 64,886,000 | 66,067,000 | 65,629,000 |
| Total loans | 44,820,000 | 48,090,000 | 48,836,000 | 47,555,000 |
| Allowance for loan losses | 725,000 | 754,000 | 785,000 | 762,000 |
| Securities available for sale | 10,095,000 | 11,281,000 | 10,747,000 | 11,389,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,894,000 | 57,420,000 | 58,217,000 | 58,171,000 |
| Interest-bearing deposits | 48,841,000 | 51,763,000 | 52,079,000 | 51,965,000 |
| Noninterest-bearing deposits | 6,053,000 | 5,657,000 | 6,138,000 | 6,206,000 |
| Equity capital | 7,190,000 | 7,273,000 | 7,606,000 | 7,347,000 |
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 | 818,000 | 1,702,000 | 2,590,000 | 3,468,000 |
| Interest expense | 116,000 | 231,000 | 351,000 | 474,000 |
| Net interest income | 702,000 | 1,471,000 | 2,239,000 | 2,994,000 |
| Noninterest income | 61,000 | 114,000 | 189,000 | 266,000 |
| Noninterest expense | 325,000 | 637,000 | 970,000 | 1,297,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 408,000 | 888,000 | 1,368,000 | 1,843,000 |
| Income tax | 18,000 | 36,000 | 54,000 | 76,000 |
| Net income | 390,000 | 852,000 | 1,314,000 | 1,767,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,014,000 | 7,076,000 | 7,389,000 | 7,441,000 |
| Total capital | 7,739,000 | 7,830,000 | 8,174,000 | 8,203,000 |
| Risk-weighted assets | 65,029,000 | 66,790,000 | 67,724,000 | 68,227,000 |