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 | 129,583,000 | 124,381,000 | 123,837,000 | 125,264,000 |
| Total loans | 112,412,000 | 105,575,000 | 101,216,000 | 102,561,000 |
| Allowance for loan losses | 1,673,000 | 1,826,000 | 1,876,000 | 1,974,000 |
| Securities available for sale | 5,249,000 | 5,270,000 | 7,506,000 | 7,301,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,744,000 | 98,606,000 | 100,745,000 | 100,429,000 |
| Interest-bearing deposits | 82,404,000 | 80,353,000 | 82,595,000 | 81,226,000 |
| Noninterest-bearing deposits | 19,339,000 | 18,253,000 | 18,150,000 | 19,203,000 |
| Equity capital | 13,687,000 | 14,550,000 | 11,860,000 | 11,362,000 |
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 | 1,916,000 | 3,693,000 | 5,391,000 | 7,179,000 |
| Interest expense | 225,000 | 439,000 | 647,000 | 858,000 |
| Net interest income | 1,691,000 | 3,254,000 | 4,744,000 | 6,321,000 |
| Noninterest income | 927,000 | 1,249,000 | 1,436,000 | 1,592,000 |
| Noninterest expense | 858,000 | 1,767,000 | 2,760,000 | 3,727,000 |
| Provision for loan losses | 153,000 | 306,000 | 357,000 | 457,000 |
| Pretax income | 1,607,000 | 2,430,000 | 3,198,000 | 3,864,000 |
| Income tax | 62,000 | 98,000 | 115,000 | 151,000 |
| Net income | 1,545,000 | 2,332,000 | 3,083,000 | 3,713,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,237,000 | 14,025,000 | 11,725,000 | 11,241,000 |
| Total capital | 14,672,000 | 15,371,000 | 12,987,000 | 12,514,000 |
| Risk-weighted assets | 114,551,000 | 107,235,000 | 100,333,000 | 101,105,000 |