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 | 120,919,000 | 116,299,000 | 116,736,000 | 117,630,000 |
| Total loans | 89,515,000 | 89,908,000 | 91,876,000 | 92,238,000 |
| Allowance for loan losses | 933,000 | 710,000 | 748,000 | 789,000 |
| Securities available for sale | 15,303,000 | 14,822,000 | 15,794,000 | 14,586,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,349,000 | 105,125,000 | 105,067,000 | 105,841,000 |
| Interest-bearing deposits | 88,347,000 | 84,149,000 | 83,300,000 | 83,199,000 |
| Noninterest-bearing deposits | 21,002,000 | 20,976,000 | 21,767,000 | 22,642,000 |
| Equity capital | 11,015,000 | 10,849,000 | 11,122,000 | 11,285,000 |
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 | 1,159,000 | 2,336,000 | 3,542,000 | 4,746,000 |
| Interest expense | 83,000 | 163,000 | 237,000 | 312,000 |
| Net interest income | 1,076,000 | 2,173,000 | 3,305,000 | 4,434,000 |
| Noninterest income | 127,000 | 169,000 | 308,000 | 405,000 |
| Noninterest expense | 976,000 | 1,946,000 | 2,905,000 | 3,826,000 |
| Provision for loan losses | 33,000 | 66,000 | 114,000 | 165,000 |
| Pretax income | 194,000 | 394,000 | 658,000 | 912,000 |
| Income tax | 45,000 | 89,000 | 151,000 | 211,000 |
| Net income | 149,000 | 305,000 | 507,000 | 701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,032,000 | 9,989,000 | 10,191,000 | 10,385,000 |
| Total capital | 10,965,000 | 10,699,000 | 10,939,000 | 11,174,000 |
| Risk-weighted assets | 77,749,000 | 78,233,000 | 79,854,000 | 79,402,000 |