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 | 28,565,000 | 30,055,000 | 28,387,000 | 29,322,000 |
| Total loans | 11,834,000 | 12,271,000 | 12,009,000 | 13,156,000 |
| Allowance for loan losses | 139,000 | 126,000 | 124,000 | 120,000 |
| Securities available for sale | 14,297,000 | 15,096,000 | 15,057,000 | 14,679,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,700,000 | 27,302,000 | 25,503,000 | 26,076,000 |
| Interest-bearing deposits | 21,091,000 | 22,040,000 | 20,518,000 | 21,000,000 |
| Noninterest-bearing deposits | 4,608,000 | 5,262,000 | 4,985,000 | 5,076,000 |
| Equity capital | 2,775,000 | 2,678,000 | 2,752,000 | 2,781,000 |
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 | 225,000 | 442,000 | 661,000 | 938,000 |
| Interest expense | 33,000 | 66,000 | 96,000 | 124,000 |
| Net interest income | 192,000 | 376,000 | 565,000 | 814,000 |
| Noninterest income | -55,000 | -34,000 | -14,000 | 5,000 |
| Noninterest expense | 179,000 | 366,000 | 547,000 | 736,000 |
| Provision for loan losses | 13,000 | 15,000 | 15,000 | 29,000 |
| Pretax income | 119,000 | 135,000 | 163,000 | 228,000 |
| Income tax | 6,000 | 7,000 | 8,000 | 11,000 |
| Net income | 113,000 | 128,000 | 155,000 | 217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,685,000 | 2,699,000 | 2,727,000 | 2,688,000 |
| Total capital | 2,824,000 | 2,825,000 | 2,851,000 | 2,808,000 |
| Risk-weighted assets | 14,460,000 | 15,203,000 | 13,876,000 | 14,944,000 |