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 | 79,872,000 | 79,243,000 | 76,650,000 | 79,433,000 |
| Total loans | 64,267,000 | 61,230,000 | 59,160,000 | 58,267,000 |
| Allowance for loan losses | 1,064,000 | 849,000 | 762,000 | 945,000 |
| Securities available for sale | 8,960,000 | 8,660,000 | 8,167,000 | 7,916,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,644,000 | 67,927,000 | 65,384,000 | 68,244,000 |
| Interest-bearing deposits | 62,748,000 | 61,876,000 | 59,715,000 | 62,468,000 |
| Noninterest-bearing deposits | 5,896,000 | 6,051,000 | 5,669,000 | 5,776,000 |
| Equity capital | 7,415,000 | 7,467,000 | 7,442,000 | 7,485,000 |
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 | 1,101,000 | 2,190,000 | 3,236,000 | 4,252,000 |
| Interest expense | 353,000 | 668,000 | 958,000 | 1,237,000 |
| Net interest income | 748,000 | 1,522,000 | 2,278,000 | 3,015,000 |
| Noninterest income | 144,000 | 268,000 | 376,000 | 497,000 |
| Noninterest expense | 655,000 | 1,288,000 | 1,957,000 | 2,577,000 |
| Provision for loan losses | 113,000 | 334,000 | 470,000 | 650,000 |
| Pretax income | 183,000 | 222,000 | 270,000 | 323,000 |
| Income tax | 68,000 | 82,000 | 97,000 | 117,000 |
| Net income | 115,000 | 140,000 | 173,000 | 206,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,105,000 | 7,115,000 | 7,128,000 | 7,317,000 |
| Total capital | 7,915,000 | 7,891,000 | 7,890,000 | 8,073,000 |
| Risk-weighted assets | 64,463,000 | 62,106,000 | 61,242,000 | 60,321,000 |
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