Call reports 2015
PEOPLES SAVINGS BANK — 2015
What PEOPLES SAVINGS 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 | 103,473,000 | 100,009,000 | 100,169,000 | 102,766,000 |
| Total loans | 62,806,000 | 62,532,000 | 63,633,000 | 66,293,000 |
| Allowance for loan losses | 1,244,000 | 1,235,000 | 1,428,000 | 1,423,000 |
| Securities available for sale | 31,653,000 | 29,956,000 | 29,565,000 | 28,846,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,348,000 | 77,286,000 | 76,454,000 | 80,437,000 |
| Interest-bearing deposits | 74,358,000 | 70,558,000 | 68,903,000 | 72,093,000 |
| Noninterest-bearing deposits | 7,990,000 | 6,728,000 | 7,551,000 | 8,344,000 |
| Equity capital | 8,342,000 | 7,987,000 | 8,000,000 | 7,995,000 |
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 | 986,000 | 1,964,000 | 2,957,000 | 3,962,000 |
| Interest expense | 239,000 | 492,000 | 745,000 | 981,000 |
| Net interest income | 747,000 | 1,472,000 | 2,212,000 | 2,981,000 |
| Noninterest income | 149,000 | 323,000 | 533,000 | 667,000 |
| Noninterest expense | 685,000 | 1,315,000 | 2,004,000 | 2,736,000 |
| Provision for loan losses | 34,000 | 34,000 | 347,000 | 347,000 |
| Pretax income | 179,000 | 432,000 | 380,000 | 400,000 |
| Income tax | 45,000 | 116,000 | 68,000 | 64,000 |
| Net income | 134,000 | 316,000 | 312,000 | 336,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,611,000 | 8,763,000 | 8,684,000 | 8,685,000 |
| Total capital | 9,523,000 | 9,710,000 | 9,660,000 | 9,713,000 |
| Risk-weighted assets | 72,556,000 | 75,491,000 | 77,573,000 | 81,879,000 |