Call reports 2009
PEOPLES STATE BANK OF MUNISING — 2009
What PEOPLES STATE BANK OF MUNISING 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 | 112,780,000 | 111,753,000 | 113,922,000 | 111,727,000 |
| Total loans | 76,867,000 | 75,257,000 | 74,209,000 | 74,093,000 |
| Allowance for loan losses | 812,000 | 1,003,000 | 1,088,000 | 1,062,000 |
| Securities available for sale | 26,032,000 | 24,351,000 | 28,062,000 | 26,084,000 |
| Securities held to maturity | 285,000 | 264,000 | 264,000 | 264,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,685,000 | 84,327,000 | 87,036,000 | 84,435,000 |
| Interest-bearing deposits | 74,957,000 | 73,823,000 | 74,647,000 | 73,885,000 |
| Noninterest-bearing deposits | 9,728,000 | 10,504,000 | 12,389,000 | 10,550,000 |
| Equity capital | 12,919,000 | 13,059,000 | 13,631,000 | 13,564,000 |
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 | 1,624,000 | 3,268,000 | 4,966,000 | 6,573,000 |
| Interest expense | 533,000 | 1,048,000 | 1,545,000 | 2,016,000 |
| Net interest income | 1,091,000 | 2,220,000 | 3,421,000 | 4,557,000 |
| Noninterest income | 67,000 | 223,000 | 315,000 | 453,000 |
| Noninterest expense | 760,000 | 1,587,000 | 2,413,000 | 3,276,000 |
| Provision for loan losses | 250,000 | 475,000 | 695,000 | 845,000 |
| Pretax income | 183,000 | 416,000 | 663,000 | 931,000 |
| Income tax | -2,000 | 4,000 | 12,000 | 18,000 |
| Net income | 185,000 | 412,000 | 651,000 | 913,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,329,000 | 12,555,000 | 12,794,000 | 12,777,000 |
| Total capital | 13,141,000 | 13,558,000 | 13,767,000 | 13,744,000 |
| Risk-weighted assets | 82,131,000 | 81,350,000 | 77,757,000 | 77,244,000 |
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