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 | 17,240,000 | 17,517,000 | 17,179,000 | 17,687,000 |
| Total loans | 14,970,000 | 15,188,000 | 14,988,000 | 15,667,000 |
| Allowance for loan losses | 238,000 | 236,000 | 226,000 | 237,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,241,000 | 1,341,000 | 954,000 | 1,101,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,059,000 | 9,821,000 | 9,945,000 | 10,675,000 |
| Interest-bearing deposits | 7,079,000 | 7,748,000 | 7,634,000 | 8,467,000 |
| Noninterest-bearing deposits | 2,980,000 | 2,073,000 | 2,311,000 | 2,208,000 |
| Equity capital | 3,903,000 | 4,092,000 | 4,129,000 | 4,155,000 |
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 | 300,000 | 601,000 | 896,000 | 1,209,000 |
| Interest expense | 21,000 | 44,000 | 67,000 | 94,000 |
| Net interest income | 279,000 | 557,000 | 829,000 | 1,115,000 |
| Noninterest income | 49,000 | 111,000 | 182,000 | 236,000 |
| Noninterest expense | 138,000 | 283,000 | 416,000 | 541,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 25,000 |
| Pretax income | 190,000 | 385,000 | 575,000 | 785,000 |
| Income tax | 8,000 | 14,000 | 17,000 | 26,000 |
| Net income | 182,000 | 371,000 | 558,000 | 759,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,903,000 | 4,092,000 | 4,129,000 | 4,155,000 |
| Total capital | 4,089,000 | 4,281,000 | 4,316,000 | 4,350,000 |
| Risk-weighted assets | 14,356,000 | 14,522,000 | 14,378,000 | 15,003,000 |