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 | 480,593,000 | 489,679,000 | 474,295,000 | 462,011,000 |
| Total loans | 371,054,000 | 372,105,000 | 365,441,000 | 355,037,000 |
| Allowance for loan losses | 7,768,000 | 7,044,000 | 7,326,000 | 9,469,000 |
| Securities available for sale | 78,856,000 | 78,934,000 | 68,085,000 | 58,498,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 434,163,000 | 445,100,000 | 439,927,000 | 442,537,000 |
| Interest-bearing deposits | 379,969,000 | 389,212,000 | 384,754,000 | 387,608,000 |
| Noninterest-bearing deposits | 54,194,000 | 55,888,000 | 55,173,000 | 54,929,000 |
| Equity capital | 29,014,000 | 26,721,000 | 26,739,000 | 17,388,000 |
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 | 6,586,000 | 12,978,000 | 18,873,000 | 24,542,000 |
| Interest expense | 2,393,000 | 4,691,000 | 6,916,000 | 8,719,000 |
| Net interest income | 4,193,000 | 8,287,000 | 11,957,000 | 15,823,000 |
| Noninterest income | 489,000 | 1,358,000 | 2,166,000 | 2,337,000 |
| Noninterest expense | 4,336,000 | 8,967,000 | 13,319,000 | 18,020,000 |
| Provision for loan losses | 2,217,000 | 4,758,000 | 6,378,000 | 16,169,000 |
| Pretax income | -1,610,000 | -2,972,000 | -3,600,000 | -13,882,000 |
| Income tax | 2,000 | 2,000 | 2,000 | -1,298,000 |
| Net income | -1,612,000 | -2,974,000 | -3,602,000 | -12,584,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,974,000 | 26,705,000 | 26,170,000 | 17,254,000 |
| Total capital | 32,663,000 | 31,386,000 | 30,772,000 | 21,755,000 |
| Risk-weighted assets | 372,033,000 | 372,183,000 | 365,463,000 | 355,111,000 |