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 | 98,251,000 | 99,396,000 | 98,283,000 | 101,244,000 |
| Total loans | 75,577,000 | 79,189,000 | 80,520,000 | 77,383,000 |
| Allowance for loan losses | 995,000 | 967,000 | 952,000 | 1,048,000 |
| Securities available for sale | 12,448,000 | 10,314,000 | 8,598,000 | 8,008,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,393,000 | 79,026,000 | 77,613,000 | 80,811,000 |
| Interest-bearing deposits | 68,681,000 | 68,560,000 | 67,264,000 | 69,404,000 |
| Noninterest-bearing deposits | 9,712,000 | 10,466,000 | 10,349,000 | 11,407,000 |
| Equity capital | 7,452,000 | 7,837,000 | 8,175,000 | 8,198,000 |
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 | 1,662,000 | 3,273,000 | 4,963,000 | 6,525,000 |
| Interest expense | 553,000 | 1,078,000 | 1,582,000 | 2,022,000 |
| Net interest income | 1,109,000 | 2,195,000 | 3,381,000 | 4,503,000 |
| Noninterest income | 136,000 | 280,000 | 463,000 | 613,000 |
| Noninterest expense | 721,000 | 1,453,000 | 2,282,000 | 3,046,000 |
| Provision for loan losses | 143,000 | 261,000 | 604,000 | 868,000 |
| Pretax income | 383,000 | 763,000 | 929,000 | 1,092,000 |
| Income tax | 33,000 | 56,000 | 83,000 | 66,000 |
| Net income | 350,000 | 707,000 | 846,000 | 1,026,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,837,000 | 8,137,000 | 8,198,000 | 8,319,000 |
| Total capital | 8,832,000 | 9,104,000 | 9,150,000 | 9,351,000 |
| Risk-weighted assets | 80,456,000 | 83,503,000 | 84,077,000 | 82,554,000 |
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