Call reports 2010
PEOPLES STATE BANK & TRUST — 2010
What PEOPLES STATE BANK & TRUST reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 77,371,000 | 77,826,000 | 75,352,000 | 72,238,000 |
| Total loans | 57,886,000 | 58,168,000 | 56,407,000 | 52,859,000 |
| Allowance for loan losses | 917,000 | 929,000 | 923,000 | 924,000 |
| Securities available for sale | 6,557,000 | 5,099,000 | 5,173,000 | 5,981,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,451,000 | 66,262,000 | 65,056,000 | 62,783,000 |
| Interest-bearing deposits | 53,592,000 | 52,173,000 | 52,369,000 | 50,203,000 |
| Noninterest-bearing deposits | 13,859,000 | 14,089,000 | 12,687,000 | 12,580,000 |
| Equity capital | 8,904,000 | 9,223,000 | 9,507,000 | 8,790,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,153,000 | 2,192,000 | 3,244,000 | 4,184,000 |
| Interest expense | 217,000 | 418,000 | 608,000 | 782,000 |
| Net interest income | 936,000 | 1,774,000 | 2,636,000 | 3,402,000 |
| Noninterest income | 213,000 | 492,000 | 708,000 | 919,000 |
| Noninterest expense | 600,000 | 1,255,000 | 1,869,000 | 2,670,000 |
| Provision for loan losses | 30,000 | 40,000 | 40,000 | 50,000 |
| Pretax income | 519,000 | 971,000 | 1,435,000 | 1,601,000 |
| Income tax | 192,000 | 360,000 | 532,000 | 557,000 |
| Net income | 327,000 | 611,000 | 903,000 | 1,044,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,925,000 | 9,209,000 | 9,501,000 | 8,814,000 |
| Total capital | 9,693,000 | 10,002,000 | 10,265,000 | 9,565,000 |
| Risk-weighted assets | 61,307,000 | 63,271,000 | 60,981,000 | 59,920,000 |
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