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 | 25,596,000 | 24,564,000 | 23,915,000 | 24,413,000 |
| Total loans | 10,960,000 | 10,453,000 | 10,297,000 | 10,198,000 |
| Allowance for loan losses | 175,000 | 172,000 | 160,000 | 122,000 |
| Securities available for sale | 12,555,000 | 11,049,000 | 11,283,000 | 11,214,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,771,000 | 21,822,000 | 21,000,000 | 22,212,000 |
| Interest-bearing deposits | 20,120,000 | 19,135,000 | 18,238,000 | 19,194,000 |
| Noninterest-bearing deposits | 2,651,000 | 2,687,000 | 2,762,000 | 3,018,000 |
| Equity capital | 2,379,000 | 2,589,000 | 2,781,000 | 2,109,000 |
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 | 336,000 | 650,000 | 947,000 | 1,236,000 |
| Interest expense | 97,000 | 183,000 | 262,000 | 339,000 |
| Net interest income | 239,000 | 467,000 | 685,000 | 897,000 |
| Noninterest income | 23,000 | 45,000 | 70,000 | 88,000 |
| Noninterest expense | 220,000 | 423,000 | 640,000 | 859,000 |
| Provision for loan losses | 0 | 20,000 | 46,000 | 174,000 |
| Pretax income | 42,000 | 69,000 | 69,000 | -53,000 |
| Income tax | 2,000 | 3,000 | 3,000 | -2,000 |
| Net income | 40,000 | 66,000 | 66,000 | -51,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,382,000 | 2,406,000 | 2,407,000 | 2,290,000 |
| Total capital | 2,539,000 | 2,556,000 | 2,552,000 | 2,412,000 |
| Risk-weighted assets | 12,512,000 | 11,970,000 | 11,597,000 | 11,695,000 |