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 | 24,752,000 | 24,612,000 | 25,215,000 | 26,455,000 |
| Total loans | 11,042,000 | 10,816,000 | 10,398,000 | 10,810,000 |
| Allowance for loan losses | 182,000 | 204,000 | 186,000 | 177,000 |
| Securities available for sale | 9,526,000 | 10,513,000 | 11,196,000 | 12,451,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,019,000 | 22,181,000 | 22,570,000 | 24,023,000 |
| Interest-bearing deposits | 19,074,000 | 19,395,000 | 19,584,000 | 20,161,000 |
| Noninterest-bearing deposits | 2,945,000 | 2,786,000 | 2,986,000 | 3,862,000 |
| Equity capital | 2,530,000 | 2,260,000 | 2,492,000 | 2,219,000 |
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 | 326,000 | 643,000 | 970,000 | 1,295,000 |
| Interest expense | 116,000 | 222,000 | 322,000 | 422,000 |
| Net interest income | 210,000 | 421,000 | 648,000 | 873,000 |
| Noninterest income | 259,000 | 273,000 | 301,000 | 328,000 |
| Noninterest expense | 208,000 | 407,000 | 608,000 | 819,000 |
| Provision for loan losses | 38,000 | 236,000 | 236,000 | 236,000 |
| Pretax income | 223,000 | 51,000 | 105,000 | 146,000 |
| Income tax | 86,000 | 80,000 | 73,000 | 75,000 |
| Net income | 137,000 | -29,000 | 32,000 | 71,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,617,000 | 2,451,000 | 2,422,000 | 2,391,000 |
| Total capital | 2,770,000 | 2,604,000 | 2,572,000 | 2,550,000 |
| Risk-weighted assets | 12,205,000 | 12,152,000 | 11,983,000 | 12,739,000 |