Call reports 2009
PEOPLES STATE BANK OF VELVA — 2009
What PEOPLES STATE BANK OF VELVA 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 | 34,061,000 | 34,446,000 | 36,925,000 | 41,893,000 |
| Total loans | 18,451,000 | 22,113,000 | 25,083,000 | 24,891,000 |
| Allowance for loan losses | 329,000 | 335,000 | 341,000 | 338,000 |
| Securities available for sale | 11,936,000 | 9,406,000 | 8,531,000 | 8,154,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,344,000 | 27,509,000 | 28,802,000 | 34,173,000 |
| Interest-bearing deposits | 23,506,000 | 23,739,000 | 24,280,000 | 28,645,000 |
| Noninterest-bearing deposits | 4,838,000 | 3,771,000 | 4,522,000 | 5,527,000 |
| Equity capital | 5,590,000 | 5,480,000 | 5,668,000 | 5,521,000 |
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 | 430,000 | 871,000 | 1,362,000 | 1,836,000 |
| Interest expense | 121,000 | 239,000 | 360,000 | 498,000 |
| Net interest income | 309,000 | 632,000 | 1,002,000 | 1,338,000 |
| Noninterest income | 24,000 | 44,000 | 66,000 | 100,000 |
| Noninterest expense | 293,000 | 585,000 | 880,000 | 1,364,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 34,000 | 126,000 | 217,000 | 97,000 |
| Income tax | 3,000 | 6,000 | 9,000 | 12,000 |
| Net income | 31,000 | 120,000 | 208,000 | 85,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,235,000 | 5,244,000 | 5,307,000 | 5,185,000 |
| Total capital | 5,503,000 | 5,537,000 | 5,648,000 | 5,523,000 |
| Risk-weighted assets | 21,372,000 | 24,466,000 | 27,951,000 | 30,111,000 |
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