Call reports 2009
PEOPLES SOUTHERN BANK — 2009
What PEOPLES SOUTHERN 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 | 140,599,000 | 139,986,000 | 140,794,000 | 141,128,000 |
| Total loans | 55,371,000 | 56,792,000 | 58,529,000 | 59,330,000 |
| Allowance for loan losses | 1,186,000 | 1,192,000 | 1,126,000 | 1,242,000 |
| Securities available for sale | 64,303,000 | 61,506,000 | 54,159,000 | 50,852,000 |
| Securities held to maturity | 12,000 | 4,717,000 | 6,672,000 | 7,249,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,447,000 | 117,953,000 | 118,193,000 | 118,959,000 |
| Interest-bearing deposits | 90,696,000 | 91,237,000 | 89,932,000 | 88,796,000 |
| Noninterest-bearing deposits | 27,751,000 | 26,716,000 | 28,261,000 | 30,163,000 |
| Equity capital | 21,708,000 | 21,698,000 | 22,239,000 | 21,890,000 |
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 | 1,486,000 | 2,979,000 | 4,464,000 | 5,903,000 |
| Interest expense | 414,000 | 797,000 | 1,156,000 | 1,467,000 |
| Net interest income | 1,072,000 | 2,182,000 | 3,308,000 | 4,436,000 |
| Noninterest income | 361,000 | 740,000 | 1,104,000 | 1,447,000 |
| Noninterest expense | 970,000 | 1,962,000 | 2,950,000 | 3,980,000 |
| Provision for loan losses | 8,000 | 15,000 | 30,000 | 196,000 |
| Pretax income | 459,000 | 972,000 | 1,459,000 | 1,761,000 |
| Income tax | 28,000 | 57,000 | 86,000 | 70,000 |
| Net income | 431,000 | 915,000 | 1,373,000 | 1,691,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,847,000 | 20,870,000 | 21,096,000 | 20,954,000 |
| Total capital | 21,761,000 | 21,764,000 | 22,060,000 | 21,921,000 |
| Risk-weighted assets | 72,825,000 | 74,219,000 | 76,983,000 | 77,090,000 |