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 | 130,176,000 | 123,696,000 | 122,698,000 | 121,609,000 |
| Total loans | 94,094,000 | 93,359,000 | 92,733,000 | 92,250,000 |
| Allowance for loan losses | 775,000 | 807,000 | 736,000 | 762,000 |
| Securities available for sale | 14,039,000 | 14,180,000 | 14,085,000 | 14,213,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,221,000 | 111,739,000 | 110,494,000 | 109,674,000 |
| Interest-bearing deposits | 95,058,000 | 87,034,000 | 85,534,000 | 83,583,000 |
| Noninterest-bearing deposits | 23,163,000 | 24,705,000 | 24,960,000 | 26,091,000 |
| Equity capital | 11,425,000 | 11,511,000 | 11,607,000 | 11,348,000 |
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 | 1,214,000 | 2,432,000 | 3,680,000 | 4,902,000 |
| Interest expense | 72,000 | 148,000 | 226,000 | 300,000 |
| Net interest income | 1,142,000 | 2,284,000 | 3,454,000 | 4,602,000 |
| Noninterest income | 127,000 | 259,000 | 329,000 | 485,000 |
| Noninterest expense | 1,036,000 | 2,187,000 | 3,234,000 | 4,209,000 |
| Provision for loan losses | 33,000 | 66,000 | 99,000 | 132,000 |
| Pretax income | 202,000 | 341,000 | 549,000 | 845,000 |
| Income tax | 49,000 | 74,000 | 135,000 | 208,000 |
| Net income | 153,000 | 267,000 | 414,000 | 637,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,452,000 | 10,544,000 | 10,666,000 | 10,717,000 |
| Total capital | 11,227,000 | 11,351,000 | 11,402,000 | 11,479,000 |
| Risk-weighted assets | 83,804,000 | 82,552,000 | 79,826,000 | 80,882,000 |