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 | 86,059,000 | 87,925,000 | 85,262,000 | 80,584,000 |
| Total loans | 65,719,000 | 65,683,000 | 65,306,000 | 65,349,000 |
| Allowance for loan losses | 868,000 | 893,000 | 1,256,000 | 1,274,000 |
| Securities available for sale | 11,362,000 | 14,670,000 | 10,158,000 | 8,903,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,196,000 | 76,119,000 | 74,276,000 | 69,732,000 |
| Interest-bearing deposits | 66,842,000 | 69,585,000 | 68,955,000 | 64,225,000 |
| Noninterest-bearing deposits | 7,354,000 | 6,534,000 | 5,321,000 | 5,507,000 |
| Equity capital | 7,809,000 | 7,801,000 | 7,139,000 | 7,053,000 |
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 | 1,217,000 | 2,438,000 | 3,657,000 | 4,828,000 |
| Interest expense | 516,000 | 1,022,000 | 1,500,000 | 1,908,000 |
| Net interest income | 701,000 | 1,416,000 | 2,157,000 | 2,920,000 |
| Noninterest income | 121,000 | 237,000 | 341,000 | 447,000 |
| Noninterest expense | 611,000 | 1,280,000 | 1,917,000 | 2,505,000 |
| Provision for loan losses | 79,000 | 166,000 | 617,000 | 1,000,000 |
| Pretax income | 131,000 | 206,000 | -394,000 | -500,000 |
| Income tax | 45,000 | 70,000 | -158,000 | -200,000 |
| Net income | 86,000 | 136,000 | -236,000 | -300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,662,000 | 7,763,000 | 6,953,000 | 6,754,000 |
| Total capital | 8,530,000 | 8,637,000 | 7,808,000 | 7,587,000 |
| Risk-weighted assets | 73,908,000 | 69,428,000 | 68,025,000 | 66,195,000 |
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