Call reports 2009
PEOPLEFIRST BANK — 2009
What PEOPLEFIRST 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 | 91,684,000 | 96,522,000 | 100,671,000 | 101,936,000 |
| Total loans | 59,121,000 | 61,773,000 | 62,196,000 | 68,245,000 |
| Allowance for loan losses | 761,000 | 797,000 | 804,000 | 886,000 |
| Securities available for sale | 28,455,000 | 26,695,000 | 29,871,000 | 26,983,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,222,000 | 80,300,000 | 84,172,000 | 86,411,000 |
| Interest-bearing deposits | 65,478,000 | 71,730,000 | 74,890,000 | 77,834,000 |
| Noninterest-bearing deposits | 8,743,000 | 8,570,000 | 9,282,000 | 8,577,000 |
| Equity capital | 13,355,000 | 12,851,000 | 13,176,000 | 13,270,000 |
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 | 1,189,000 | 2,409,000 | 3,637,000 | 4,917,000 |
| Interest expense | 508,000 | 990,000 | 1,425,000 | 1,813,000 |
| Net interest income | 681,000 | 1,419,000 | 2,212,000 | 3,104,000 |
| Noninterest income | 21,000 | 46,000 | 76,000 | 131,000 |
| Noninterest expense | 878,000 | 1,826,000 | 2,706,000 | 3,712,000 |
| Provision for loan losses | 24,000 | 60,000 | 67,000 | 149,000 |
| Pretax income | -196,000 | -413,000 | -617,000 | -784,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -196,000 | -413,000 | -617,000 | -784,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,619,000 | 12,431,000 | 12,255,000 | 12,454,000 |
| Total capital | 13,380,000 | 13,228,000 | 13,059,000 | 13,340,000 |
| Risk-weighted assets | 68,064,000 | 71,658,000 | 71,991,000 | 76,620,000 |
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