Call reports 2009
PEOPLES STATE BANK & TRUST — 2009
What PEOPLES STATE BANK & TRUST 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 | 70,540,000 | 72,614,000 | 76,848,000 | 78,776,000 |
| Total loans | 52,592,000 | 56,026,000 | 57,609,000 | 59,855,000 |
| Allowance for loan losses | 959,000 | 946,000 | 947,000 | 888,000 |
| Securities available for sale | 6,066,000 | 5,170,000 | 5,636,000 | 4,337,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,673,000 | 58,926,000 | 63,753,000 | 64,889,000 |
| Interest-bearing deposits | 47,831,000 | 47,109,000 | 51,862,000 | 53,588,000 |
| Noninterest-bearing deposits | 12,842,000 | 11,817,000 | 11,891,000 | 11,301,000 |
| Equity capital | 9,234,000 | 9,151,000 | 9,430,000 | 8,605,000 |
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 | 986,000 | 2,098,000 | 3,175,000 | 4,206,000 |
| Interest expense | 256,000 | 490,000 | 728,000 | 954,000 |
| Net interest income | 730,000 | 1,608,000 | 2,447,000 | 3,252,000 |
| Noninterest income | 248,000 | 620,000 | 939,000 | 1,198,000 |
| Noninterest expense | 613,000 | 1,697,000 | 2,396,000 | 3,195,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 366,000 | 286,000 | 745,000 | 1,010,000 |
| Income tax | 136,000 | 107,000 | 276,000 | 513,000 |
| Net income | 230,000 | 179,000 | 469,000 | 497,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,160,000 | 9,109,000 | 9,399,000 | 8,598,000 |
| Total capital | 9,877,000 | 9,844,000 | 10,179,000 | 9,412,000 |
| Risk-weighted assets | 57,138,000 | 58,600,000 | 62,204,000 | 65,074,000 |
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