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 | 740,614,000 | 746,532,000 | 758,464,000 | 784,058,000 |
| Total loans | 535,544,000 | 547,149,000 | 556,000,000 | 541,675,000 |
| Allowance for loan losses | 6,451,000 | 6,552,000 | 6,661,000 | 6,350,000 |
| Securities available for sale | 88,050,000 | 84,418,000 | 82,342,000 | 81,299,000 |
| Securities held to maturity | 71,454,000 | 71,063,000 | 72,475,000 | 71,544,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 598,667,000 | 625,187,000 | 643,278,000 | 670,728,000 |
| Interest-bearing deposits | 499,887,000 | 514,801,000 | 518,052,000 | 542,876,000 |
| Noninterest-bearing deposits | 98,780,000 | 110,386,000 | 125,226,000 | 127,852,000 |
| Equity capital | 72,349,000 | 70,802,000 | 73,666,000 | 72,299,000 |
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 | 6,731,000 | 13,836,000 | 20,940,000 | 28,153,000 |
| Interest expense | 781,000 | 1,558,000 | 2,382,000 | 3,210,000 |
| Net interest income | 5,950,000 | 12,278,000 | 18,558,000 | 24,943,000 |
| Noninterest income | 1,470,000 | 3,004,000 | 4,619,000 | 6,066,000 |
| Noninterest expense | 4,695,000 | 9,475,000 | 14,699,000 | 19,489,000 |
| Provision for loan losses | 140,000 | 280,000 | -740,000 | -530,000 |
| Pretax income | 2,585,000 | 5,527,000 | 9,218,000 | 12,050,000 |
| Income tax | 823,000 | 1,788,000 | 3,038,000 | 3,952,000 |
| Net income | 1,762,000 | 3,739,000 | 6,180,000 | 8,098,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,066,000 | 70,286,000 | 72,769,000 | 71,932,000 |
| Total capital | 77,567,000 | 76,946,000 | 79,473,000 | 78,327,000 |
| Risk-weighted assets | 548,992,000 | 558,566,000 | 560,932,000 | 548,729,000 |