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 | 99,534,000 | 102,540,000 | 99,550,000 | 102,703,000 |
| Total loans | 77,862,000 | 78,764,000 | 80,994,000 | 81,447,000 |
| Allowance for loan losses | 394,000 | 445,000 | 459,000 | 578,000 |
| Securities available for sale | 11,116,000 | 10,594,000 | 10,685,000 | 10,067,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,171,000 | 90,878,000 | 87,706,000 | 92,238,000 |
| Interest-bearing deposits | 73,081,000 | 76,407,000 | 73,110,000 | 74,144,000 |
| Noninterest-bearing deposits | 14,090,000 | 14,471,000 | 14,596,000 | 18,094,000 |
| Equity capital | 10,094,000 | 10,214,000 | 10,504,000 | 10,268,000 |
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 | 1,415,000 | 2,837,000 | 4,281,000 | 5,688,000 |
| Interest expense | 350,000 | 673,000 | 991,000 | 1,299,000 |
| Net interest income | 1,065,000 | 2,164,000 | 3,290,000 | 4,389,000 |
| Noninterest income | 145,000 | 304,000 | 479,000 | 639,000 |
| Noninterest expense | 933,000 | 1,902,000 | 2,866,000 | 4,014,000 |
| Provision for loan losses | 51,000 | 102,000 | 159,000 | 319,000 |
| Pretax income | 227,000 | 466,000 | 746,000 | 696,000 |
| Income tax | 64,000 | 122,000 | 192,000 | 170,000 |
| Net income | 163,000 | 344,000 | 554,000 | 526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,804,000 | 8,968,000 | 9,164,000 | 8,974,000 |
| Total capital | 9,198,000 | 9,413,000 | 9,623,000 | 9,552,000 |
| Risk-weighted assets | 65,997,000 | 67,124,000 | 67,731,000 | 69,053,000 |