Call reports 2016
PEOPLES FIRST SAVINGS BANK — 2016
What PEOPLES FIRST 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 | 67,275,000 | 69,516,000 | 70,676,000 | 71,123,000 |
| Total loans | 52,414,000 | 52,017,000 | 52,552,000 | 53,259,000 |
| Allowance for loan losses | 434,000 | 464,000 | 493,000 | 524,000 |
| Securities available for sale | 0 | 2,192,000 | 2,188,000 | 4,826,000 |
| Securities held to maturity | 2,159,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,368,000 | 55,594,000 | 56,700,000 | 57,029,000 |
| Interest-bearing deposits | 49,880,000 | 52,257,000 | 52,616,000 | 52,320,000 |
| Noninterest-bearing deposits | 3,488,000 | 3,337,000 | 4,084,000 | 4,709,000 |
| Equity capital | 6,831,000 | 6,874,000 | 6,913,000 | 6,965,000 |
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 | 666,000 | 1,336,000 | 2,021,000 | 2,695,000 |
| Interest expense | 118,000 | 238,000 | 365,000 | 489,000 |
| Net interest income | 548,000 | 1,098,000 | 1,656,000 | 2,206,000 |
| Noninterest income | 33,000 | 77,000 | 133,000 | 182,000 |
| Noninterest expense | 515,000 | 1,019,000 | 1,549,000 | 2,044,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 36,000 | 96,000 | 150,000 | 224,000 |
| Income tax | 9,000 | 26,000 | 41,000 | 63,000 |
| Net income | 27,000 | 70,000 | 109,000 | 161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,831,000 | 6,863,000 | 6,913,000 | 6,965,000 |
| Total capital | 7,265,000 | 7,327,000 | 7,378,000 | 7,456,000 |
| Risk-weighted assets | 38,753,000 | 38,859,000 | 37,244,000 | 39,271,000 |