Call reports 2015
PEOPLES SOUTHERN BANK — 2015
What PEOPLES SOUTHERN 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 | 167,583,000 | 164,872,000 | 166,426,000 | 165,460,000 |
| Total loans | 52,246,000 | 52,869,000 | 52,367,000 | 53,275,000 |
| Allowance for loan losses | 1,205,000 | 1,239,000 | 1,205,000 | 1,158,000 |
| Securities available for sale | 85,848,000 | 85,875,000 | 84,813,000 | 85,601,000 |
| Securities held to maturity | 7,730,000 | 7,728,000 | 7,496,000 | 7,495,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,148,000 | 142,059,000 | 142,977,000 | 142,553,000 |
| Interest-bearing deposits | 101,702,000 | 99,603,000 | 100,822,000 | 98,165,000 |
| Noninterest-bearing deposits | 42,446,000 | 42,456,000 | 42,155,000 | 44,388,000 |
| Equity capital | 23,200,000 | 22,647,000 | 23,204,000 | 22,743,000 |
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 | 1,109,000 | 2,247,000 | 3,399,000 | 4,548,000 |
| Interest expense | 76,000 | 152,000 | 227,000 | 299,000 |
| Net interest income | 1,033,000 | 2,095,000 | 3,172,000 | 4,249,000 |
| Noninterest income | 343,000 | 739,000 | 1,111,000 | 1,531,000 |
| Noninterest expense | 988,000 | 1,981,000 | 3,016,000 | 4,062,000 |
| Provision for loan losses | 0 | 9,000 | 14,000 | 18,000 |
| Pretax income | 392,000 | 848,000 | 1,256,000 | 1,719,000 |
| Income tax | 14,000 | 28,000 | 41,000 | 63,000 |
| Net income | 378,000 | 820,000 | 1,215,000 | 1,656,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,229,000 | 22,167,000 | 22,333,000 | 22,355,000 |
| Total capital | 23,186,000 | 23,140,000 | 23,305,000 | 23,329,000 |
| Risk-weighted assets | 76,319,000 | 77,566,000 | 77,534,000 | 77,734,000 |