Call reports 2009
PEOPLE'S COMMUNITY STATE BANK — 2009
What PEOPLE'S COMMUNITY 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 | 118,021,000 | 120,831,000 | 122,748,000 | 122,096,000 |
| Total loans | 86,160,000 | 90,124,000 | 94,209,000 | 94,960,000 |
| Allowance for loan losses | 1,603,000 | 1,661,000 | 1,710,000 | 1,381,000 |
| Securities available for sale | 9,013,000 | 7,430,000 | 6,548,000 | 5,995,000 |
| Securities held to maturity | 9,246,000 | 11,664,000 | 11,332,000 | 12,850,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,322,000 | 100,869,000 | 101,749,000 | 99,281,000 |
| Interest-bearing deposits | 87,704,000 | 90,751,000 | 91,446,000 | 90,108,000 |
| Noninterest-bearing deposits | 9,618,000 | 10,118,000 | 10,303,000 | 9,173,000 |
| Equity capital | 15,349,000 | 14,548,000 | 15,454,000 | 16,295,000 |
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 | 1,740,000 | 3,553,000 | 5,395,000 | 7,240,000 |
| Interest expense | 476,000 | 936,000 | 1,385,000 | 1,814,000 |
| Net interest income | 1,264,000 | 2,617,000 | 4,010,000 | 5,426,000 |
| Noninterest income | 289,000 | 586,000 | 880,000 | 1,204,000 |
| Noninterest expense | 769,000 | 1,590,000 | 2,480,000 | 3,308,000 |
| Provision for loan losses | 48,000 | 98,000 | 149,000 | 199,000 |
| Pretax income | 736,000 | 1,515,000 | 2,261,000 | 3,123,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 734,000 | 1,513,000 | 2,259,000 | 3,121,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,417,000 | 13,696,000 | 14,442,000 | 15,304,000 |
| Total capital | 15,387,000 | 14,714,000 | 15,495,000 | 16,369,000 |
| Risk-weighted assets | 76,959,000 | 80,761,000 | 83,548,000 | 84,537,000 |