Call reports 2010
PEOPLES-WEBSTER COUNTY BANK — 2010
What PEOPLES-WEBSTER COUNTY BANK 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 | 60,038,000 | 60,760,000 | 61,124,000 | 63,402,000 |
| Total loans | 31,255,000 | 31,171,000 | 33,214,000 | 34,167,000 |
| Allowance for loan losses | 593,000 | 608,000 | 624,000 | 629,000 |
| Securities available for sale | 21,228,000 | 21,964,000 | 22,426,000 | 21,442,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,468,000 | 41,992,000 | 41,897,000 | 44,765,000 |
| Interest-bearing deposits | 33,380,000 | 32,989,000 | 32,666,000 | 33,220,000 |
| Noninterest-bearing deposits | 8,088,000 | 9,003,000 | 9,231,000 | 11,545,000 |
| Equity capital | 17,509,000 | 17,778,000 | 18,119,000 | 17,813,000 |
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 | 679,000 | 1,359,000 | 2,058,000 | 2,775,000 |
| Interest expense | 118,000 | 226,000 | 321,000 | 409,000 |
| Net interest income | 561,000 | 1,133,000 | 1,737,000 | 2,366,000 |
| Noninterest income | 35,000 | 76,000 | 180,000 | 225,000 |
| Noninterest expense | 305,000 | 604,000 | 902,000 | 1,241,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 276,000 | 575,000 | 970,000 | 1,290,000 |
| Income tax | 72,000 | 167,000 | 287,000 | 380,000 |
| Net income | 204,000 | 408,000 | 683,000 | 910,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,308,000 | 17,516,000 | 17,791,000 | 17,680,000 |
| Total capital | 17,870,000 | 18,080,000 | 18,384,000 | 18,292,000 |
| Risk-weighted assets | 44,690,000 | 44,913,000 | 47,224,000 | 48,737,000 |