Call reports 2009
UPPER PENINSULA STATE BANK — 2009
What UPPER PENINSULA 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 | 166,938,000 | 160,250,000 | 173,214,000 | 170,670,000 |
| Total loans | 100,283,000 | 99,385,000 | 100,841,000 | 101,176,000 |
| Allowance for loan losses | 2,012,000 | 2,079,000 | 2,135,000 | 2,368,000 |
| Securities available for sale | 45,879,000 | 46,713,000 | 46,964,000 | 49,589,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,799,000 | 121,781,000 | 134,238,000 | 133,023,000 |
| Interest-bearing deposits | 120,232,000 | 112,537,000 | 125,544,000 | 124,271,000 |
| Noninterest-bearing deposits | 9,567,000 | 9,244,000 | 8,694,000 | 8,752,000 |
| Equity capital | 23,780,000 | 24,253,000 | 25,878,000 | 25,607,000 |
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 | 2,215,000 | 4,412,000 | 6,644,000 | 8,837,000 |
| Interest expense | 709,000 | 1,345,000 | 1,955,000 | 2,595,000 |
| Net interest income | 1,506,000 | 3,067,000 | 4,689,000 | 6,242,000 |
| Noninterest income | 241,000 | 490,000 | 657,000 | 834,000 |
| Noninterest expense | 870,000 | 1,811,000 | 2,814,000 | 3,879,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 500,000 |
| Pretax income | 817,000 | 1,611,000 | 2,325,000 | 2,573,000 |
| Income tax | 216,000 | 422,000 | 602,000 | 539,000 |
| Net income | 601,000 | 1,189,000 | 1,723,000 | 2,034,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,333,000 | 25,915,000 | 26,611,000 | 26,158,000 |
| Total capital | 26,804,000 | 27,374,000 | 28,105,000 | 27,642,000 |
| Risk-weighted assets | 117,187,000 | 116,164,000 | 118,942,000 | 117,836,000 |
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