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 | 16,460,000 | 14,999,000 | 16,192,000 | 16,799,000 |
| Total loans | 14,018,000 | 11,109,000 | 12,628,000 | 14,219,000 |
| Allowance for loan losses | 277,000 | 303,000 | 277,000 | 246,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 600,000 | 600,000 | 1,416,000 | 1,243,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,438,000 | 10,469,000 | 10,031,000 | 9,930,000 |
| Interest-bearing deposits | 7,968,000 | 7,986,000 | 7,323,000 | 7,065,000 |
| Noninterest-bearing deposits | 2,470,000 | 2,483,000 | 2,707,000 | 2,865,000 |
| Equity capital | 4,093,000 | 4,241,000 | 4,221,000 | 3,871,000 |
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 | 311,000 | 591,000 | 883,000 | 1,217,000 |
| Interest expense | 28,000 | 52,000 | 74,000 | 97,000 |
| Net interest income | 283,000 | 539,000 | 809,000 | 1,120,000 |
| Noninterest income | 52,000 | 116,000 | 198,000 | 256,000 |
| Noninterest expense | 135,000 | 268,000 | 410,000 | 553,000 |
| Provision for loan losses | 5,000 | 40,000 | 115,000 | 385,000 |
| Pretax income | 195,000 | 347,000 | 482,000 | 438,000 |
| Income tax | 8,000 | 12,000 | 17,000 | 23,000 |
| Net income | 187,000 | 335,000 | 465,000 | 415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,093,000 | 4,241,000 | 4,221,000 | 3,871,000 |
| Total capital | 4,264,000 | 4,379,000 | 4,378,000 | 4,048,000 |
| Risk-weighted assets | 12,850,000 | 10,341,000 | 12,165,000 | 13,566,000 |