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 | 133,958,000 | 129,946,000 | 134,696,000 | 134,536,000 |
| Total loans | 113,933,000 | 112,149,000 | 118,140,000 | 117,382,000 |
| Allowance for loan losses | 1,708,000 | 1,860,000 | 1,999,000 | 1,519,000 |
| Securities available for sale | 6,177,000 | 6,002,000 | 5,647,000 | 5,487,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,455,000 | 104,902,000 | 106,188,000 | 105,264,000 |
| Interest-bearing deposits | 90,142,000 | 87,018,000 | 86,489,000 | 84,616,000 |
| Noninterest-bearing deposits | 21,313,000 | 17,884,000 | 19,699,000 | 20,648,000 |
| Equity capital | 12,382,000 | 11,871,000 | 11,773,000 | 11,627,000 |
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 | 2,012,000 | 3,848,000 | 5,724,000 | 7,747,000 |
| Interest expense | 236,000 | 470,000 | 698,000 | 920,000 |
| Net interest income | 1,776,000 | 3,378,000 | 5,026,000 | 6,827,000 |
| Noninterest income | 160,000 | 353,000 | 523,000 | 705,000 |
| Noninterest expense | 887,000 | 1,891,000 | 2,768,000 | 3,954,000 |
| Provision for loan losses | 153,000 | 306,000 | 459,000 | 662,000 |
| Pretax income | 896,000 | 1,534,000 | 2,322,000 | 2,916,000 |
| Income tax | 41,000 | 110,000 | 146,000 | 185,000 |
| Net income | 855,000 | 1,424,000 | 2,176,000 | 2,731,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,337,000 | 11,886,000 | 11,738,000 | 11,185,000 |
| Total capital | 13,833,000 | 13,340,000 | 13,234,000 | 12,670,000 |
| Risk-weighted assets | 119,476,000 | 115,919,000 | 119,182,000 | 118,779,000 |