Call reports 2015
PEOPLES FEDERAL SAVINGS AND LOAN ASSOCIATION — 2015
What PEOPLES FEDERAL SAVINGS AND LOAN ASSOCIATION 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 | 112,469,000 | 111,718,000 | 110,568,000 | 113,843,000 |
| Total loans | 80,627,000 | 80,180,000 | 81,041,000 | 81,200,000 |
| Allowance for loan losses | 1,081,000 | 1,075,000 | 1,100,000 | 1,105,000 |
| Securities available for sale | 8,998,000 | 7,986,000 | 7,000,000 | 10,944,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,695,000 | 95,007,000 | 93,904,000 | 97,334,000 |
| Interest-bearing deposits | 91,926,000 | 91,585,000 | 90,536,000 | 93,938,000 |
| Noninterest-bearing deposits | 3,769,000 | 3,422,000 | 3,368,000 | 3,396,000 |
| Equity capital | 14,928,000 | 14,936,000 | 14,937,000 | 14,908,000 |
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 | 1,150,000 | 2,298,000 | 3,410,000 | 4,514,000 |
| Interest expense | 113,000 | 219,000 | 321,000 | 417,000 |
| Net interest income | 1,037,000 | 2,079,000 | 3,089,000 | 4,097,000 |
| Noninterest income | 20,000 | 58,000 | 90,000 | 128,000 |
| Noninterest expense | 824,000 | 1,647,000 | 2,487,000 | 3,328,000 |
| Provision for loan losses | 50,000 | 111,000 | 135,000 | 152,000 |
| Pretax income | 183,000 | 379,000 | 557,000 | 745,000 |
| Income tax | 57,000 | 118,000 | 173,000 | 232,000 |
| Net income | 126,000 | 261,000 | 384,000 | 513,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,906,000 | 14,934,000 | 14,926,000 | 14,935,000 |
| Total capital | 15,648,000 | 15,658,000 | 15,650,000 | 15,674,000 |
| Risk-weighted assets | 59,017,000 | 57,570,000 | 57,531,000 | 58,736,000 |