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 | 63,087,000 | 59,663,000 | 58,563,000 | 59,546,000 |
| Total loans | 23,034,000 | 25,238,000 | 28,790,000 | 34,732,000 |
| Allowance for loan losses | 625,000 | 625,000 | 626,000 | 703,000 |
| Securities available for sale | 29,179,000 | 29,506,000 | 26,295,000 | 21,512,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,347,000 | 53,953,000 | 51,760,000 | 52,999,000 |
| Interest-bearing deposits | 38,470,000 | 37,948,000 | 36,863,000 | 37,275,000 |
| Noninterest-bearing deposits | 18,877,000 | 16,005,000 | 14,897,000 | 15,724,000 |
| Equity capital | 5,523,000 | 5,470,000 | 5,885,000 | 5,656,000 |
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 | 654,000 | 1,290,000 | 1,957,000 | 2,602,000 |
| Interest expense | 150,000 | 280,000 | 405,000 | 526,000 |
| Net interest income | 504,000 | 1,010,000 | 1,552,000 | 2,076,000 |
| Noninterest income | 25,000 | 54,000 | 84,000 | 112,000 |
| Noninterest expense | 266,000 | 551,000 | 845,000 | 1,257,000 |
| Provision for loan losses | 0 | 0 | 0 | 75,000 |
| Pretax income | 327,000 | 577,000 | 949,000 | 1,148,000 |
| Income tax | 24,000 | 42,000 | 70,000 | 79,000 |
| Net income | 303,000 | 535,000 | 879,000 | 1,069,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,130,000 | 5,137,000 | 5,306,000 | 5,321,000 |
| Total capital | 5,532,000 | 5,535,000 | 5,722,000 | 5,801,000 |
| Risk-weighted assets | 31,935,000 | 31,649,000 | 33,051,000 | 38,201,000 |