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 | 120,914,000 | 124,499,000 | 122,626,000 | 120,738,000 |
| Total loans | 65,042,000 | 67,466,000 | 68,901,000 | 69,569,000 |
| Allowance for loan losses | 652,000 | 668,000 | 684,000 | 699,000 |
| Securities available for sale | 43,967,000 | 43,016,000 | 41,440,000 | 40,554,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,972,000 | 102,958,000 | 101,100,000 | 97,769,000 |
| Interest-bearing deposits | 85,282,000 | 89,160,000 | 86,217,000 | 82,807,000 |
| Noninterest-bearing deposits | 14,690,000 | 13,798,000 | 14,883,000 | 14,962,000 |
| Equity capital | 13,947,000 | 14,533,000 | 14,761,000 | 14,046,000 |
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 | 1,146,000 | 2,308,000 | 3,487,000 | 4,704,000 |
| Interest expense | 184,000 | 361,000 | 536,000 | 706,000 |
| Net interest income | 962,000 | 1,947,000 | 2,951,000 | 3,998,000 |
| Noninterest income | 191,000 | 351,000 | 550,000 | 701,000 |
| Noninterest expense | 864,000 | 1,728,000 | 2,593,000 | 3,519,000 |
| Provision for loan losses | 13,000 | 28,000 | 43,000 | 57,000 |
| Pretax income | 276,000 | 542,000 | 893,000 | 1,151,000 |
| Income tax | 11,000 | 23,000 | 40,000 | 52,000 |
| Net income | 265,000 | 519,000 | 853,000 | 1,099,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,070,000 | 12,330,000 | 12,666,000 | 12,916,000 |
| Total capital | 12,722,000 | 12,998,000 | 13,351,000 | 13,618,000 |
| Risk-weighted assets | 67,855,000 | 71,212,000 | 70,612,000 | 71,641,000 |