Call reports 2016
PEOPLES SAVINGS BANK — 2016
What PEOPLES SAVINGS 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 | 99,185,000 | 93,279,000 | 89,251,000 | 92,012,000 |
| Total loans | 65,461,000 | 64,166,000 | 62,722,000 | 64,442,000 |
| Allowance for loan losses | 1,419,000 | 1,133,000 | 1,137,000 | 1,132,000 |
| Securities available for sale | 25,473,000 | 20,567,000 | 19,643,000 | 21,107,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,672,000 | 76,096,000 | 71,795,000 | 70,693,000 |
| Interest-bearing deposits | 70,956,000 | 69,441,000 | 65,208,000 | 61,456,000 |
| Noninterest-bearing deposits | 7,716,000 | 6,655,000 | 6,587,000 | 9,237,000 |
| Equity capital | 8,410,000 | 8,726,000 | 8,894,000 | 8,584,000 |
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 | 998,000 | 1,937,000 | 2,903,000 | 3,830,000 |
| Interest expense | 226,000 | 445,000 | 660,000 | 855,000 |
| Net interest income | 772,000 | 1,492,000 | 2,243,000 | 2,975,000 |
| Noninterest income | 163,000 | 306,000 | 445,000 | 667,000 |
| Noninterest expense | 657,000 | 1,331,000 | 2,004,000 | 2,656,000 |
| Provision for loan losses | 0 | 306,000 | 306,000 | 306,000 |
| Pretax income | -90,000 | -200,000 | 17,000 | 320,000 |
| Income tax | 41,000 | -105,000 | -41,000 | 54,000 |
| Net income | -131,000 | -95,000 | 58,000 | 266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,520,000 | 8,502,000 | 8,657,000 | 8,768,000 |
| Total capital | 9,531,000 | 9,414,000 | 9,544,000 | 9,685,000 |
| Risk-weighted assets | 80,505,000 | 72,770,000 | 70,679,000 | 73,181,000 |