Call reports 2009
PEOPLES STATE BANK — 2009
What PEOPLES STATE 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 | 91,745,000 | 87,472,000 | 86,596,000 | 91,296,000 |
| Total loans | 40,667,000 | 44,476,000 | 46,942,000 | 48,217,000 |
| Allowance for loan losses | 431,000 | 449,000 | 375,000 | 360,000 |
| Securities available for sale | 30,905,000 | 26,617,000 | 24,869,000 | 24,483,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,460,000 | 80,069,000 | 78,892,000 | 83,533,000 |
| Interest-bearing deposits | 67,386,000 | 62,609,000 | 63,118,000 | 66,392,000 |
| Noninterest-bearing deposits | 17,074,000 | 17,460,000 | 15,774,000 | 17,141,000 |
| Equity capital | 6,753,000 | 6,878,000 | 7,201,000 | 7,214,000 |
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 | 1,100,000 | 2,219,000 | 3,324,000 | 4,460,000 |
| Interest expense | 294,000 | 543,000 | 778,000 | 1,000,000 |
| Net interest income | 806,000 | 1,676,000 | 2,546,000 | 3,460,000 |
| Noninterest income | 183,000 | 360,000 | 557,000 | 771,000 |
| Noninterest expense | 712,000 | 1,476,000 | 2,295,000 | 3,319,000 |
| Provision for loan losses | 16,000 | 18,000 | -58,000 | -55,000 |
| Pretax income | 261,000 | 542,000 | 866,000 | 967,000 |
| Income tax | 75,000 | 165,000 | 228,000 | 237,000 |
| Net income | 186,000 | 377,000 | 638,000 | 730,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,177,000 | 6,368,000 | 6,629,000 | 6,721,000 |
| Total capital | 6,608,000 | 6,831,000 | 7,018,000 | 7,095,000 |
| Risk-weighted assets | 49,746,000 | 51,345,000 | 51,389,000 | 54,076,000 |
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