Call reports 2009
PEOPLES BANK OF GRACEVILLE — 2009
What PEOPLES BANK OF GRACEVILLE 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 | 68,489,000 | 70,268,000 | 71,331,000 | 74,146,000 |
| Total loans | 25,171,000 | 25,181,000 | 25,253,000 | 24,029,000 |
| Allowance for loan losses | 235,000 | 241,000 | 222,000 | 250,000 |
| Securities available for sale | 35,470,000 | 38,305,000 | 39,724,000 | 40,040,000 |
| Securities held to maturity | 1,065,000 | 861,000 | 862,000 | 864,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,736,000 | 58,367,000 | 58,748,000 | 61,868,000 |
| Interest-bearing deposits | 47,631,000 | 48,741,000 | 48,508,000 | 51,046,000 |
| Noninterest-bearing deposits | 9,105,000 | 9,626,000 | 10,241,000 | 10,822,000 |
| Equity capital | 11,128,000 | 11,207,000 | 11,885,000 | 11,278,000 |
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 | 874,000 | 1,741,000 | 2,636,000 | 3,518,000 |
| Interest expense | 332,000 | 671,000 | 989,000 | 1,291,000 |
| Net interest income | 542,000 | 1,070,000 | 1,647,000 | 2,227,000 |
| Noninterest income | 97,000 | 197,000 | 304,000 | 418,000 |
| Noninterest expense | 316,000 | 672,000 | 1,038,000 | 1,386,000 |
| Provision for loan losses | 5,000 | 22,000 | 78,000 | 113,000 |
| Pretax income | 321,000 | 603,000 | 916,000 | 1,247,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 321,000 | 603,000 | 916,000 | 1,247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,640,000 | 10,783,000 | 10,902,000 | 10,576,000 |
| Total capital | 10,875,000 | 11,024,000 | 11,124,000 | 10,826,000 |
| Risk-weighted assets | 28,527,000 | 27,975,000 | 28,109,000 | 27,557,000 |