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 | 18,809,000 | 18,154,000 | 18,901,000 | 18,893,000 |
| Total loans | 16,233,000 | 16,115,000 | 16,843,000 | 16,526,000 |
| Allowance for loan losses | 139,000 | 141,000 | 189,000 | 190,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 404,000 | 417,000 | 215,000 | 214,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,021,000 | 12,726,000 | 13,692,000 | 13,749,000 |
| Interest-bearing deposits | 8,662,000 | 8,588,000 | 8,404,000 | 8,656,000 |
| Noninterest-bearing deposits | 4,359,000 | 4,138,000 | 5,288,000 | 5,093,000 |
| Equity capital | 4,717,000 | 4,702,000 | 4,775,000 | 4,617,000 |
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 | 296,000 | 583,000 | 855,000 | 1,136,000 |
| Interest expense | 19,000 | 35,000 | 50,000 | 65,000 |
| Net interest income | 277,000 | 548,000 | 805,000 | 1,071,000 |
| Noninterest income | 36,000 | 81,000 | 124,000 | 166,000 |
| Noninterest expense | 179,000 | 332,000 | 506,000 | 665,000 |
| Provision for loan losses | 20,000 | 20,000 | 70,000 | 70,000 |
| Pretax income | 114,000 | 277,000 | 353,000 | 502,000 |
| Income tax | 2,000 | 5,000 | 8,000 | 15,000 |
| Net income | 112,000 | 272,000 | 345,000 | 487,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,717,000 | 4,702,000 | 4,775,000 | 4,617,000 |
| Total capital | 4,856,000 | 4,843,000 | 4,964,000 | 4,807,000 |
| Risk-weighted assets | 15,565,000 | 15,465,000 | 16,213,000 | 16,233,000 |