Call reports 2016
PEOPLES STATE BANK OF VELVA — 2016
What PEOPLES STATE BANK OF VELVA 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 | 118,389,000 | 112,788,000 | 111,676,000 | 113,993,000 |
| Total loans | 95,417,000 | 88,342,000 | 93,481,000 | 89,026,000 |
| Allowance for loan losses | 1,252,000 | 1,402,000 | 1,551,000 | 1,302,000 |
| Securities available for sale | 8,251,000 | 8,681,000 | 8,458,000 | 7,783,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,712,000 | 96,551,000 | 95,355,000 | 99,655,000 |
| Interest-bearing deposits | 84,259,000 | 80,931,000 | 78,809,000 | 80,440,000 |
| Noninterest-bearing deposits | 16,453,000 | 15,620,000 | 16,546,000 | 19,215,000 |
| Equity capital | 9,985,000 | 9,990,000 | 9,992,000 | 10,015,000 |
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 | 1,362,000 | 2,662,000 | 3,953,000 | 5,226,000 |
| Interest expense | 170,000 | 354,000 | 534,000 | 725,000 |
| Net interest income | 1,192,000 | 2,308,000 | 3,419,000 | 4,501,000 |
| Noninterest income | 44,000 | 85,000 | 126,000 | 170,000 |
| Noninterest expense | 726,000 | 1,421,000 | 2,187,000 | 3,035,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 360,000 | 672,000 | 908,000 | 1,036,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 360,000 | 672,000 | 908,000 | 1,036,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,852,000 | 9,800,000 | 9,836,000 | 9,964,000 |
| Total capital | 11,053,000 | 10,958,000 | 11,031,000 | 11,143,000 |
| Risk-weighted assets | 96,018,000 | 92,263,000 | 95,005,000 | 93,486,000 |