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 | 81,043,000 | 83,115,000 | 82,383,000 | 81,887,000 |
| Total loans | 41,160,000 | 41,457,000 | 41,330,000 | 41,786,000 |
| Allowance for loan losses | 428,000 | 512,000 | 430,000 | 457,000 |
| Securities available for sale | 33,093,000 | 35,611,000 | 34,401,000 | 33,826,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,448,000 | 64,601,000 | 64,929,000 | 65,604,000 |
| Interest-bearing deposits | 53,544,000 | 56,215,000 | 56,876,000 | 57,183,000 |
| Noninterest-bearing deposits | 8,904,000 | 8,386,000 | 8,053,000 | 8,421,000 |
| Equity capital | 9,464,000 | 9,914,000 | 10,461,000 | 9,985,000 |
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 | 1,028,000 | 2,078,000 | 3,113,000 | 4,146,000 |
| Interest expense | 372,000 | 740,000 | 1,098,000 | 1,454,000 |
| Net interest income | 656,000 | 1,338,000 | 2,015,000 | 2,692,000 |
| Noninterest income | 118,000 | 252,000 | 400,000 | 525,000 |
| Noninterest expense | 537,000 | 1,095,000 | 1,631,000 | 2,170,000 |
| Provision for loan losses | 5,000 | 5,000 | 20,000 | 140,000 |
| Pretax income | 232,000 | 501,000 | 775,000 | 922,000 |
| Income tax | 12,000 | 25,000 | 37,000 | 44,000 |
| Net income | 220,000 | 476,000 | 738,000 | 878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,941,000 | 9,194,000 | 9,456,000 | 9,571,000 |
| Total capital | 9,369,000 | 9,706,000 | 9,886,000 | 10,028,000 |
| Risk-weighted assets | 51,690,000 | 51,917,000 | 52,264,000 | 51,628,000 |