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 | 55,365,000 | 58,349,000 | 58,424,000 | 63,689,000 |
| Total loans | 29,723,000 | 33,448,000 | 33,011,000 | 33,172,000 |
| Allowance for loan losses | 609,000 | 611,000 | 617,000 | 685,000 |
| Securities available for sale | 20,481,000 | 20,239,000 | 20,860,000 | 24,118,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,395,000 | 52,246,000 | 52,081,000 | 57,773,000 |
| Interest-bearing deposits | 35,627,000 | 35,630,000 | 36,379,000 | 38,333,000 |
| Noninterest-bearing deposits | 13,768,000 | 16,616,000 | 15,702,000 | 19,440,000 |
| Equity capital | 5,800,000 | 5,923,000 | 6,129,000 | 5,782,000 |
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 | 600,000 | 1,212,000 | 1,858,000 | 2,480,000 |
| Interest expense | 112,000 | 230,000 | 350,000 | 462,000 |
| Net interest income | 488,000 | 982,000 | 1,508,000 | 2,018,000 |
| Noninterest income | 42,000 | 71,000 | 101,000 | 130,000 |
| Noninterest expense | 278,000 | 547,000 | 851,000 | 1,208,000 |
| Provision for loan losses | 110,000 | 110,000 | 110,000 | 110,000 |
| Pretax income | 268,000 | 548,000 | 859,000 | 1,041,000 |
| Income tax | 19,000 | 39,000 | 61,000 | 70,000 |
| Net income | 249,000 | 509,000 | 798,000 | 971,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,570,000 | 5,555,000 | 5,669,000 | 5,667,000 |
| Total capital | 6,012,000 | 6,031,000 | 6,134,000 | 6,154,000 |
| Risk-weighted assets | 35,213,000 | 37,960,000 | 37,081,000 | 38,760,000 |