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 | 81,360,000 | 78,523,000 | 80,276,000 | 82,044,000 |
| Total loans | 41,269,000 | 40,575,000 | 41,333,000 | 41,180,000 |
| Allowance for loan losses | 488,000 | 509,000 | 543,000 | 441,000 |
| Securities available for sale | 33,972,000 | 32,857,000 | 33,006,000 | 33,650,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,239,000 | 59,279,000 | 60,575,000 | 62,176,000 |
| Interest-bearing deposits | 54,515,000 | 52,165,000 | 53,075,000 | 52,843,000 |
| Noninterest-bearing deposits | 6,724,000 | 7,114,000 | 7,500,000 | 9,333,000 |
| Equity capital | 8,808,000 | 8,585,000 | 9,434,000 | 9,146,000 |
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 | 1,087,000 | 2,178,000 | 3,259,000 | 4,310,000 |
| Interest expense | 472,000 | 937,000 | 1,383,000 | 1,807,000 |
| Net interest income | 615,000 | 1,241,000 | 1,876,000 | 2,503,000 |
| Noninterest income | 116,000 | 211,000 | 328,000 | 457,000 |
| Noninterest expense | 510,000 | 1,070,000 | 1,570,000 | 2,170,000 |
| Provision for loan losses | 15,000 | 30,000 | 60,000 | 125,000 |
| Pretax income | 214,000 | 367,000 | 589,000 | 715,000 |
| Income tax | 10,000 | 17,000 | 28,000 | 33,000 |
| Net income | 204,000 | 350,000 | 561,000 | 682,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,362,000 | 8,509,000 | 8,720,000 | 8,720,000 |
| Total capital | 8,850,000 | 9,018,000 | 9,263,000 | 9,161,000 |
| Risk-weighted assets | 49,728,000 | 48,555,000 | 50,399,000 | 51,479,000 |