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 | 17,742,000 | 19,693,000 | 18,625,000 | 19,700,000 |
| Total loans | 15,373,000 | 14,852,000 | 16,008,000 | 16,973,000 |
| Allowance for loan losses | 163,000 | 161,000 | 120,000 | 148,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 559,000 | 511,000 | 508,000 | 406,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,984,000 | 14,917,000 | 13,361,000 | 12,464,000 |
| Interest-bearing deposits | 9,579,000 | 9,406,000 | 8,674,000 | 7,968,000 |
| Noninterest-bearing deposits | 3,405,000 | 5,511,000 | 4,687,000 | 4,496,000 |
| Equity capital | 4,677,000 | 4,695,000 | 4,642,000 | 4,605,000 |
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 | 239,000 | 515,000 | 803,000 | 1,127,000 |
| Interest expense | 15,000 | 33,000 | 51,000 | 68,000 |
| Net interest income | 224,000 | 482,000 | 752,000 | 1,059,000 |
| Noninterest income | 36,000 | 78,000 | 126,000 | 183,000 |
| Noninterest expense | 144,000 | 289,000 | 466,000 | 639,000 |
| Provision for loan losses | 41,000 | 41,000 | 51,000 | 71,000 |
| Pretax income | 75,000 | 230,000 | 361,000 | 532,000 |
| Income tax | 1,000 | 8,000 | 12,000 | 20,000 |
| Net income | 74,000 | 222,000 | 349,000 | 512,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,677,000 | 4,695,000 | 4,642,000 | 4,605,000 |
| Total capital | 4,840,000 | 4,856,000 | 4,762,000 | 4,753,000 |
| Risk-weighted assets | 14,806,000 | 14,352,000 | 14,715,000 | 16,114,000 |