Call reports 2016
PEOPLES BANK OF THE SOUTH — 2016
What PEOPLES BANK OF THE SOUTH 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 | 139,843,000 | 142,203,000 | 144,515,000 | 149,420,000 |
| Total loans | 122,926,000 | 121,230,000 | 119,326,000 | 122,987,000 |
| Allowance for loan losses | 1,607,000 | 1,608,000 | 1,608,000 | 1,606,000 |
| Securities available for sale | 1,540,000 | 460,000 | 281,000 | 267,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,792,000 | 117,852,000 | 121,026,000 | 126,677,000 |
| Interest-bearing deposits | 86,309,000 | 88,287,000 | 89,425,000 | 93,995,000 |
| Noninterest-bearing deposits | 28,483,000 | 29,565,000 | 31,601,000 | 32,682,000 |
| Equity capital | 20,162,000 | 20,510,000 | 20,529,000 | 20,072,000 |
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 | 1,911,000 | 3,872,000 | 5,716,000 | 7,542,000 |
| Interest expense | 100,000 | 208,000 | 325,000 | 453,000 |
| Net interest income | 1,811,000 | 3,664,000 | 5,391,000 | 7,089,000 |
| Noninterest income | 424,000 | 637,000 | 826,000 | 961,000 |
| Noninterest expense | 1,179,000 | 2,439,000 | 3,671,000 | 4,880,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,056,000 | 1,862,000 | 2,546,000 | 3,170,000 |
| Income tax | 69,000 | 122,000 | 167,000 | 209,000 |
| Net income | 987,000 | 1,740,000 | 2,379,000 | 2,961,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,162,000 | 20,511,000 | 20,531,000 | 20,072,000 |
| Total capital | 21,540,000 | 21,838,000 | 21,840,000 | 21,420,000 |
| Risk-weighted assets | 109,995,000 | 105,965,000 | 104,374,000 | 107,612,000 |