Call reports 2015
PEOPLES STATE BANK — 2015
What PEOPLES STATE 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 | 633,027,000 | 652,386,000 | 645,490,000 | 647,207,000 |
| Total loans | 407,262,000 | 429,910,000 | 430,780,000 | 430,093,000 |
| Allowance for loan losses | 6,695,000 | 6,755,000 | 6,766,000 | 6,512,000 |
| Securities available for sale | 186,570,000 | 185,457,000 | 172,951,000 | 173,771,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 539,103,000 | 535,356,000 | 536,111,000 | 542,601,000 |
| Interest-bearing deposits | 467,678,000 | 463,805,000 | 464,503,000 | 465,195,000 |
| Noninterest-bearing deposits | 71,425,000 | 71,551,000 | 71,608,000 | 77,406,000 |
| Equity capital | 66,493,000 | 65,729,000 | 68,311,000 | 68,473,000 |
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 | 5,850,000 | 11,768,000 | 17,928,000 | 24,112,000 |
| Interest expense | 928,000 | 1,836,000 | 2,735,000 | 3,583,000 |
| Net interest income | 4,922,000 | 9,932,000 | 15,193,000 | 20,529,000 |
| Noninterest income | 464,000 | 951,000 | 1,514,000 | 2,087,000 |
| Noninterest expense | 2,839,000 | 5,953,000 | 9,226,000 | 12,511,000 |
| Provision for loan losses | 60,000 | 120,000 | 140,000 | 0 |
| Pretax income | 2,487,000 | 4,810,000 | 7,350,000 | 10,128,000 |
| Income tax | 28,000 | 42,000 | 57,000 | 92,000 |
| Net income | 2,459,000 | 4,768,000 | 7,293,000 | 10,036,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,979,000 | 60,025,000 | 61,287,000 | 62,696,000 |
| Total capital | 64,273,000 | 65,728,000 | 66,930,000 | 68,342,000 |
| Risk-weighted assets | 422,104,000 | 455,213,000 | 450,326,000 | 450,798,000 |