Call reports 2015
PEOPLES FIRST SAVINGS BANK — 2015
What PEOPLES FIRST 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 | 67,700,000 | 66,736,000 | 67,807,000 | 67,310,000 |
| Total loans | 52,052,000 | 50,247,000 | 50,929,000 | 51,077,000 |
| Allowance for loan losses | 312,000 | 342,000 | 372,000 | 403,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,864,000 | 1,864,000 | 1,962,000 | 2,163,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,995,000 | 52,924,000 | 53,916,000 | 53,306,000 |
| Interest-bearing deposits | 49,216,000 | 50,154,000 | 49,833,000 | 50,082,000 |
| Noninterest-bearing deposits | 2,779,000 | 2,770,000 | 4,083,000 | 3,224,000 |
| Equity capital | 6,641,000 | 6,688,000 | 6,737,000 | 6,809,000 |
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 | 663,000 | 1,329,000 | 1,980,000 | 2,645,000 |
| Interest expense | 133,000 | 264,000 | 385,000 | 501,000 |
| Net interest income | 530,000 | 1,065,000 | 1,595,000 | 2,144,000 |
| Noninterest income | 38,000 | 78,000 | 114,000 | 163,000 |
| Noninterest expense | 469,000 | 946,000 | 1,415,000 | 1,877,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 69,000 | 137,000 | 204,000 | 310,000 |
| Income tax | 20,000 | 40,000 | 59,000 | 92,000 |
| Net income | 49,000 | 97,000 | 145,000 | 218,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,641,000 | 6,682,000 | 6,737,000 | 6,809,000 |
| Total capital | 6,953,000 | 7,024,000 | 7,109,000 | 7,212,000 |
| Risk-weighted assets | 37,076,000 | 35,899,000 | 37,576,000 | 38,048,000 |