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 | 46,017,000 | 46,361,000 | 46,041,000 | 46,934,000 |
| Total loans | 31,948,000 | 32,772,000 | 32,391,000 | 31,411,000 |
| Allowance for loan losses | 535,000 | 494,000 | 524,000 | 556,000 |
| Securities available for sale | 10,188,000 | 9,500,000 | 9,125,000 | 8,962,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,571,000 | 39,952,000 | 40,079,000 | 41,121,000 |
| Interest-bearing deposits | 36,576,000 | 37,609,000 | 36,927,000 | 37,707,000 |
| Noninterest-bearing deposits | 2,995,000 | 2,344,000 | 3,152,000 | 3,414,000 |
| Equity capital | 4,215,000 | 4,142,000 | 4,218,000 | 4,142,000 |
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 | 777,000 | 1,558,000 | 2,349,000 | 3,084,000 |
| Interest expense | 315,000 | 610,000 | 903,000 | 1,179,000 |
| Net interest income | 462,000 | 948,000 | 1,446,000 | 1,905,000 |
| Noninterest income | 69,000 | 143,000 | 188,000 | 256,000 |
| Noninterest expense | 259,000 | 550,000 | 810,000 | 1,019,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 242,000 | 481,000 | 734,000 | 1,022,000 |
| Income tax | 12,000 | 18,000 | 30,000 | 39,000 |
| Net income | 230,000 | 463,000 | 704,000 | 983,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,095,000 | 4,007,000 | 3,954,000 | 3,923,000 |
| Total capital | 4,577,000 | 4,470,000 | 4,440,000 | 4,400,000 |
| Risk-weighted assets | 38,540,000 | 37,020,000 | 38,815,000 | 38,109,000 |
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