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 | 46,832,000 | 47,711,000 | 48,547,000 | 47,700,000 |
| Total loans | 31,811,000 | 33,731,000 | 33,229,000 | 32,496,000 |
| Allowance for loan losses | 578,000 | 605,000 | 451,000 | 465,000 |
| Securities available for sale | 10,068,000 | 9,482,000 | 9,819,000 | 10,791,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,764,000 | 41,017,000 | 41,555,000 | 40,648,000 |
| Interest-bearing deposits | 36,713,000 | 37,491,000 | 37,618,000 | 37,043,000 |
| Noninterest-bearing deposits | 4,051,000 | 3,526,000 | 3,937,000 | 3,605,000 |
| Equity capital | 4,352,000 | 4,680,000 | 4,987,000 | 5,140,000 |
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 | 732,000 | 1,474,000 | 2,215,000 | 2,946,000 |
| Interest expense | 257,000 | 507,000 | 759,000 | 992,000 |
| Net interest income | 475,000 | 967,000 | 1,456,000 | 1,954,000 |
| Noninterest income | 55,000 | 133,000 | 203,000 | 273,000 |
| Noninterest expense | 270,000 | 539,000 | 828,000 | 1,039,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 230,000 | 501,000 | 741,000 | 1,068,000 |
| Income tax | 12,000 | 24,000 | 36,000 | 44,000 |
| Net income | 218,000 | 477,000 | 705,000 | 1,024,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,117,000 | 4,375,000 | 4,603,000 | 4,922,000 |
| Total capital | 4,595,000 | 4,870,000 | 5,054,000 | 5,387,000 |
| Risk-weighted assets | 38,155,000 | 39,495,000 | 40,232,000 | 39,841,000 |
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