Call reports 2016
PEOPLES SOUTHERN BANK — 2016
What PEOPLES SOUTHERN 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 | 171,788,000 | 172,517,000 | 172,138,000 | 171,829,000 |
| Total loans | 54,281,000 | 55,399,000 | 56,038,000 | 53,787,000 |
| Allowance for loan losses | 1,226,000 | 1,191,000 | 1,111,000 | 1,054,000 |
| Securities available for sale | 88,085,000 | 87,868,000 | 87,746,000 | 90,271,000 |
| Securities held to maturity | 7,338,000 | 6,871,000 | 6,045,000 | 5,744,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,341,000 | 148,875,000 | 148,512,000 | 149,301,000 |
| Interest-bearing deposits | 105,042,000 | 103,382,000 | 101,966,000 | 102,257,000 |
| Noninterest-bearing deposits | 43,299,000 | 45,493,000 | 46,546,000 | 47,044,000 |
| Equity capital | 23,204,000 | 23,423,000 | 23,357,000 | 22,362,000 |
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 | 1,138,000 | 2,295,000 | 3,470,000 | 4,632,000 |
| Interest expense | 80,000 | 160,000 | 247,000 | 327,000 |
| Net interest income | 1,058,000 | 2,135,000 | 3,223,000 | 4,305,000 |
| Noninterest income | 379,000 | 775,000 | 1,161,000 | 1,567,000 |
| Noninterest expense | 1,028,000 | 2,063,000 | 3,103,000 | 4,118,000 |
| Provision for loan losses | -31,000 | -71,000 | -81,000 | -77,000 |
| Pretax income | 468,000 | 946,000 | 1,393,000 | 1,862,000 |
| Income tax | 16,000 | 32,000 | 47,000 | 71,000 |
| Net income | 452,000 | 914,000 | 1,346,000 | 1,791,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,317,000 | 22,138,000 | 22,317,000 | 22,508,000 |
| Total capital | 23,322,000 | 23,148,000 | 23,322,000 | 23,482,000 |
| Risk-weighted assets | 80,169,000 | 80,595,000 | 80,278,000 | 77,816,000 |