Call reports 2010
PEOPLES SOUTHERN BANK — 2010
What PEOPLES SOUTHERN 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 | 141,414,000 | 142,268,000 | 143,445,000 | 144,316,000 |
| Total loans | 59,183,000 | 58,999,000 | 56,712,000 | 54,841,000 |
| Allowance for loan losses | 1,247,000 | 1,357,000 | 1,317,000 | 1,410,000 |
| Securities available for sale | 52,380,000 | 50,081,000 | 51,794,000 | 51,084,000 |
| Securities held to maturity | 8,574,000 | 8,573,000 | 8,571,000 | 8,570,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,032,000 | 120,052,000 | 121,038,000 | 122,207,000 |
| Interest-bearing deposits | 91,841,000 | 92,425,000 | 91,923,000 | 91,742,000 |
| Noninterest-bearing deposits | 27,191,000 | 27,627,000 | 29,115,000 | 30,465,000 |
| Equity capital | 22,069,000 | 21,993,000 | 22,155,000 | 21,907,000 |
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 | 1,383,000 | 2,765,000 | 4,105,000 | 5,395,000 |
| Interest expense | 277,000 | 526,000 | 765,000 | 978,000 |
| Net interest income | 1,106,000 | 2,239,000 | 3,340,000 | 4,417,000 |
| Noninterest income | 339,000 | 685,000 | 1,025,000 | 1,366,000 |
| Noninterest expense | 1,018,000 | 2,015,000 | 2,974,000 | 3,953,000 |
| Provision for loan losses | 35,000 | 163,000 | 288,000 | 355,000 |
| Pretax income | 394,000 | 748,000 | 1,106,000 | 1,484,000 |
| Income tax | 21,000 | 42,000 | 63,000 | 58,000 |
| Net income | 373,000 | 706,000 | 1,043,000 | 1,426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,222,000 | 21,169,000 | 21,244,000 | 21,400,000 |
| Total capital | 22,183,000 | 22,129,000 | 22,184,000 | 22,342,000 |
| Risk-weighted assets | 76,625,000 | 76,390,000 | 74,813,000 | 74,883,000 |