Call reports 2009
PSB BANK — 2009
What PSB BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 159,579,000 | 160,519,000 | 161,809,000 | 163,922,000 |
| Total loans | 118,728,000 | 115,922,000 | 115,775,000 | 119,372,000 |
| Allowance for loan losses | 2,661,000 | 2,131,000 | 2,034,000 | 1,920,000 |
| Securities available for sale | 18,527,000 | 24,925,000 | 26,721,000 | 19,701,000 |
| Securities held to maturity | 6,672,000 | 4,641,000 | 4,538,000 | 4,535,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,847,000 | 143,807,000 | 144,776,000 | 146,834,000 |
| Interest-bearing deposits | 125,215,000 | 125,821,000 | 126,754,000 | 124,534,000 |
| Noninterest-bearing deposits | 17,632,000 | 17,986,000 | 18,022,000 | 22,300,000 |
| Equity capital | 13,364,000 | 13,352,000 | 13,812,000 | 13,881,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,125,000 | 4,276,000 | 6,409,000 | 8,464,000 |
| Interest expense | 919,000 | 1,798,000 | 2,658,000 | 3,435,000 |
| Net interest income | 1,206,000 | 2,478,000 | 3,751,000 | 5,029,000 |
| Noninterest income | 176,000 | 393,000 | 681,000 | 897,000 |
| Noninterest expense | 1,188,000 | 2,511,000 | 3,770,000 | 4,984,000 |
| Provision for loan losses | 0 | 30,000 | 30,000 | 90,000 |
| Pretax income | 194,000 | 330,000 | 632,000 | 858,000 |
| Income tax | 59,000 | 48,000 | 128,000 | 183,000 |
| Net income | 135,000 | 282,000 | 504,000 | 675,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,286,000 | 13,433,000 | 13,655,000 | 13,764,000 |
| Total capital | 14,691,000 | 14,818,000 | 15,039,000 | 15,205,000 |
| Risk-weighted assets | 111,039,000 | 109,957,000 | 110,038,000 | 114,776,000 |
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