Call reports 2015
PEOPLES BANK OF THE SOUTH — 2015
What PEOPLES BANK OF THE SOUTH 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 | 142,356,000 | 140,358,000 | 141,310,000 | 138,378,000 |
| Total loans | 121,594,000 | 120,731,000 | 121,010,000 | 121,544,000 |
| Allowance for loan losses | 1,669,000 | 1,673,000 | 1,614,000 | 1,602,000 |
| Securities available for sale | 3,075,000 | 2,509,000 | 2,459,000 | 2,339,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,519,000 | 118,450,000 | 119,155,000 | 115,678,000 |
| Interest-bearing deposits | 92,639,000 | 89,774,000 | 87,860,000 | 84,707,000 |
| Noninterest-bearing deposits | 27,880,000 | 28,676,000 | 31,295,000 | 30,971,000 |
| Equity capital | 19,692,000 | 19,778,000 | 19,897,000 | 19,794,000 |
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 | 1,737,000 | 3,454,000 | 5,176,000 | 6,960,000 |
| Interest expense | 99,000 | 193,000 | 287,000 | 379,000 |
| Net interest income | 1,638,000 | 3,261,000 | 4,889,000 | 6,581,000 |
| Noninterest income | 123,000 | 233,000 | 320,000 | 398,000 |
| Noninterest expense | 1,167,000 | 2,357,000 | 3,494,000 | 4,718,000 |
| Provision for loan losses | 35,000 | 35,000 | 35,000 | 35,000 |
| Pretax income | 559,000 | 1,102,000 | 1,680,000 | 2,226,000 |
| Income tax | 37,000 | 73,000 | 111,000 | 148,000 |
| Net income | 522,000 | 1,029,000 | 1,569,000 | 2,078,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,692,000 | 19,778,000 | 19,896,000 | 19,793,000 |
| Total capital | 21,120,000 | 21,126,000 | 21,262,000 | 21,182,000 |
| Risk-weighted assets | 114,003,000 | 107,535,000 | 108,881,000 | 110,866,000 |