Call reports 2010
PEOPLES STATE BANK — 2010
What PEOPLES STATE 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 | 91,389,000 | 90,758,000 | 88,982,000 | 92,341,000 |
| Total loans | 49,355,000 | 48,817,000 | 49,921,000 | 50,260,000 |
| Allowance for loan losses | 417,000 | 430,000 | 392,000 | 391,000 |
| Securities available for sale | 24,351,000 | 23,931,000 | 23,159,000 | 24,430,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,508,000 | 82,833,000 | 80,795,000 | 84,330,000 |
| Interest-bearing deposits | 67,458,000 | 64,769,000 | 62,690,000 | 65,864,000 |
| Noninterest-bearing deposits | 16,050,000 | 18,064,000 | 18,105,000 | 18,466,000 |
| Equity capital | 7,355,000 | 7,413,000 | 7,636,000 | 7,606,000 |
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 | 1,094,000 | 2,153,000 | 3,236,000 | 4,322,000 |
| Interest expense | 219,000 | 433,000 | 632,000 | 831,000 |
| Net interest income | 875,000 | 1,720,000 | 2,604,000 | 3,491,000 |
| Noninterest income | 243,000 | 457,000 | 665,000 | 857,000 |
| Noninterest expense | 795,000 | 1,693,000 | 2,504,000 | 3,459,000 |
| Provision for loan losses | 51,000 | 72,000 | 85,000 | 92,000 |
| Pretax income | 272,000 | 412,000 | 680,000 | 797,000 |
| Income tax | 73,000 | 131,000 | 201,000 | 207,000 |
| Net income | 199,000 | 281,000 | 479,000 | 590,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,920,000 | 7,003,000 | 7,201,000 | 7,312,000 |
| Total capital | 7,351,000 | 7,447,000 | 7,607,000 | 7,717,000 |
| Risk-weighted assets | 54,869,000 | 56,378,000 | 56,813,000 | 57,285,000 |
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