Call reports 2015
PEOPLES STATE BANK OF VELVA — 2015
What PEOPLES STATE BANK OF VELVA 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 | 111,035,000 | 117,618,000 | 122,501,000 | 120,056,000 |
| Total loans | 90,055,000 | 101,220,000 | 106,958,000 | 103,652,000 |
| Allowance for loan losses | 992,000 | 1,042,000 | 1,102,000 | 1,102,000 |
| Securities available for sale | 8,801,000 | 8,533,000 | 8,449,000 | 8,390,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,011,000 | 95,005,000 | 95,036,000 | 97,598,000 |
| Interest-bearing deposits | 77,650,000 | 78,764,000 | 77,975,000 | 80,783,000 |
| Noninterest-bearing deposits | 16,361,000 | 16,241,000 | 17,061,000 | 16,816,000 |
| Equity capital | 9,817,000 | 9,523,000 | 10,029,000 | 10,122,000 |
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 | 1,241,000 | 2,613,000 | 4,114,000 | 5,593,000 |
| Interest expense | 157,000 | 316,000 | 476,000 | 638,000 |
| Net interest income | 1,084,000 | 2,297,000 | 3,638,000 | 4,955,000 |
| Noninterest income | 41,000 | 87,000 | 135,000 | 186,000 |
| Noninterest expense | 703,000 | 1,426,000 | 2,118,000 | 3,005,000 |
| Provision for loan losses | 50,000 | 100,000 | 160,000 | 560,000 |
| Pretax income | 372,000 | 858,000 | 1,495,000 | 1,576,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 372,000 | 858,000 | 1,495,000 | 1,576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,536,000 | 9,417,000 | 9,854,000 | 9,935,000 |
| Total capital | 10,528,000 | 10,459,000 | 10,956,000 | 11,037,000 |
| Risk-weighted assets | 91,769,000 | 98,206,000 | 102,971,000 | 100,678,000 |