Call reports 2010
PEOPLE'S COMMUNITY STATE BANK — 2010
What PEOPLE'S COMMUNITY 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 | 128,066,000 | 130,575,000 | 126,213,000 | 128,279,000 |
| Total loans | 93,948,000 | 95,154,000 | 95,968,000 | 98,398,000 |
| Allowance for loan losses | 1,428,000 | 1,470,000 | 1,475,000 | 1,594,000 |
| Securities available for sale | 6,644,000 | 4,196,000 | 2,130,000 | 2,644,000 |
| Securities held to maturity | 11,812,000 | 15,070,000 | 15,613,000 | 15,598,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,600,000 | 106,610,000 | 103,343,000 | 104,770,000 |
| Interest-bearing deposits | 94,380,000 | 97,552,000 | 94,270,000 | 97,492,000 |
| Noninterest-bearing deposits | 9,220,000 | 9,058,000 | 9,073,000 | 7,278,000 |
| Equity capital | 17,144,000 | 16,583,000 | 17,438,000 | 18,226,000 |
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 | 1,789,000 | 3,620,000 | 5,444,000 | 7,309,000 |
| Interest expense | 384,000 | 764,000 | 1,133,000 | 1,468,000 |
| Net interest income | 1,405,000 | 2,856,000 | 4,311,000 | 5,841,000 |
| Noninterest income | 292,000 | 584,000 | 883,000 | 1,254,000 |
| Noninterest expense | 797,000 | 1,594,000 | 2,428,000 | 3,363,000 |
| Provision for loan losses | 46,000 | 96,000 | 145,000 | 221,000 |
| Pretax income | 859,000 | 1,755,000 | 2,626,000 | 3,516,000 |
| Income tax | 3,000 | 3,000 | 3,000 | 3,000 |
| Net income | 856,000 | 1,752,000 | 2,623,000 | 3,513,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,160,000 | 15,556,000 | 16,427,000 | 17,317,000 |
| Total capital | 17,222,000 | 16,650,000 | 17,516,000 | 18,455,000 |
| Risk-weighted assets | 84,562,000 | 87,122,000 | 86,752,000 | 90,563,000 |