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 | 570,447,000 | 581,501,000 | 586,306,000 | 606,586,000 |
| Total loans | 429,136,000 | 440,816,000 | 440,652,000 | 445,244,000 |
| Allowance for loan losses | 6,065,000 | 6,496,000 | 6,801,000 | 7,611,000 |
| Securities available for sale | 102,940,000 | 104,353,000 | 107,318,000 | 106,195,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 431,391,000 | 439,627,000 | 443,585,000 | 459,959,000 |
| Interest-bearing deposits | 375,842,000 | 384,278,000 | 385,830,000 | 399,954,000 |
| Noninterest-bearing deposits | 55,549,000 | 55,349,000 | 57,755,000 | 60,005,000 |
| Equity capital | 48,377,000 | 47,979,000 | 56,909,000 | 55,840,000 |
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 | 7,497,000 | 15,002,000 | 22,467,000 | 30,111,000 |
| Interest expense | 3,119,000 | 6,112,000 | 9,012,000 | 11,672,000 |
| Net interest income | 4,378,000 | 8,890,000 | 13,455,000 | 18,439,000 |
| Noninterest income | 1,372,000 | 2,811,000 | 4,011,000 | 4,122,000 |
| Noninterest expense | 3,476,000 | 7,441,000 | 11,164,000 | 14,468,000 |
| Provision for loan losses | 700,000 | 1,300,000 | 2,100,000 | 3,700,000 |
| Pretax income | 1,574,000 | 2,960,000 | 4,202,000 | 4,914,000 |
| Income tax | 451,000 | 825,000 | 1,154,000 | 1,254,000 |
| Net income | 1,123,000 | 2,135,000 | 3,048,000 | 3,660,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,350,000 | 46,397,000 | 54,307,000 | 53,944,000 |
| Total capital | 52,380,000 | 52,392,000 | 60,370,000 | 60,065,000 |
| Risk-weighted assets | 482,376,000 | 479,136,000 | 483,572,000 | 488,189,000 |