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 | 101,872,000 | 102,451,000 | 105,098,000 | 105,317,000 |
| Total loans | 80,557,000 | 81,563,000 | 80,388,000 | 78,692,000 |
| Allowance for loan losses | 624,000 | 679,000 | 570,000 | 619,000 |
| Securities available for sale | 9,860,000 | 12,088,000 | 12,822,000 | 14,383,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,007,000 | 91,560,000 | 93,369,000 | 93,681,000 |
| Interest-bearing deposits | 75,467,000 | 76,513,000 | 78,115,000 | 77,751,000 |
| Noninterest-bearing deposits | 15,540,000 | 15,047,000 | 15,254,000 | 15,930,000 |
| Equity capital | 10,291,000 | 10,455,000 | 10,681,000 | 10,609,000 |
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 | 1,295,000 | 2,627,000 | 3,980,000 | 5,288,000 |
| Interest expense | 266,000 | 516,000 | 766,000 | 1,001,000 |
| Net interest income | 1,029,000 | 2,111,000 | 3,214,000 | 4,287,000 |
| Noninterest income | 140,000 | 296,000 | 469,000 | 633,000 |
| Noninterest expense | 928,000 | 1,864,000 | 2,806,000 | 3,723,000 |
| Provision for loan losses | 63,000 | 126,000 | 189,000 | 252,000 |
| Pretax income | 178,000 | 417,000 | 727,000 | 984,000 |
| Income tax | 63,000 | 128,000 | 186,000 | 248,000 |
| Net income | 115,000 | 289,000 | 541,000 | 736,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,000,000 | 9,159,000 | 9,394,000 | 9,431,000 |
| Total capital | 9,624,000 | 9,838,000 | 9,964,000 | 10,050,000 |
| Risk-weighted assets | 68,328,000 | 68,214,000 | 68,065,000 | 67,245,000 |