Call reports 2009
PEOPLES-WEBSTER COUNTY BANK — 2009
What PEOPLES-WEBSTER COUNTY 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 | 54,866,000 | 55,636,000 | 56,939,000 | 59,678,000 |
| Total loans | 30,888,000 | 33,407,000 | 33,229,000 | 32,944,000 |
| Allowance for loan losses | 485,000 | 516,000 | 547,000 | 578,000 |
| Securities available for sale | 18,167,000 | 17,193,000 | 18,625,000 | 18,490,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,456,000 | 37,104,000 | 37,941,000 | 41,032,000 |
| Interest-bearing deposits | 29,000,000 | 29,557,000 | 28,462,000 | 32,277,000 |
| Noninterest-bearing deposits | 7,456,000 | 7,547,000 | 9,479,000 | 8,755,000 |
| Equity capital | 16,897,000 | 17,102,000 | 17,487,000 | 17,323,000 |
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 | 697,000 | 1,413,000 | 2,151,000 | 2,871,000 |
| Interest expense | 142,000 | 278,000 | 405,000 | 532,000 |
| Net interest income | 555,000 | 1,135,000 | 1,746,000 | 2,339,000 |
| Noninterest income | 40,000 | 84,000 | 196,000 | 254,000 |
| Noninterest expense | 302,000 | 596,000 | 886,000 | 1,200,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 263,000 | 563,000 | 975,000 | 1,273,000 |
| Income tax | 63,000 | 153,000 | 271,000 | 359,000 |
| Net income | 200,000 | 410,000 | 704,000 | 914,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,730,000 | 16,940,000 | 17,225,000 | 17,101,000 |
| Total capital | 17,215,000 | 17,456,000 | 17,772,000 | 17,679,000 |
| Risk-weighted assets | 44,909,000 | 46,633,000 | 47,056,000 | 46,621,000 |