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 | 458,163,000 | 445,534,000 | 429,770,000 | 390,524,000 |
| Total loans | 352,797,000 | 344,274,000 | 334,194,000 | 319,055,000 |
| Allowance for loan losses | 9,037,000 | 8,061,000 | 13,853,000 | 16,618,000 |
| Securities available for sale | 66,515,000 | 38,395,000 | 51,297,000 | 44,300,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 438,651,000 | 425,803,000 | 419,353,000 | 389,868,000 |
| Interest-bearing deposits | 381,258,000 | 367,459,000 | 360,261,000 | 330,405,000 |
| Noninterest-bearing deposits | 57,393,000 | 58,344,000 | 59,092,000 | 59,463,000 |
| Equity capital | 17,570,000 | 16,914,000 | 8,613,000 | -1,173,000 |
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 | 5,629,000 | 11,142,000 | 16,230,000 | 20,657,000 |
| Interest expense | 1,389,000 | 2,612,000 | 3,750,000 | 4,713,000 |
| Net interest income | 4,240,000 | 8,530,000 | 12,480,000 | 15,944,000 |
| Noninterest income | 901,000 | 1,993,000 | 2,499,000 | 2,703,000 |
| Noninterest expense | 4,638,000 | 9,041,000 | 13,294,000 | 17,722,000 |
| Provision for loan losses | 386,000 | 2,341,000 | 10,903,000 | 19,251,000 |
| Pretax income | 121,000 | -633,000 | -9,041,000 | -18,163,000 |
| Income tax | 144,000 | 144,000 | 144,000 | 5,000 |
| Net income | -23,000 | -777,000 | -9,185,000 | -18,168,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,255,000 | 16,537,000 | 7,925,000 | -1,058,000 |
| Total capital | 21,710,000 | 20,895,000 | 12,131,000 | -1,058,000 |
| Risk-weighted assets | 351,791,000 | 344,905,000 | 326,858,000 | 305,149,000 |