Call reports 2009
PEOPLES BANK OF THE SOUTH — 2009
What PEOPLES BANK OF THE SOUTH 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 | 149,055,000 | 150,656,000 | 151,258,000 | 148,991,000 |
| Total loans | 128,708,000 | 128,586,000 | 128,431,000 | 126,000,000 |
| Allowance for loan losses | 1,014,000 | 1,080,000 | 1,161,000 | 1,429,000 |
| Securities available for sale | 12,828,000 | 12,158,000 | 11,281,000 | 11,021,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,974,000 | 119,714,000 | 121,663,000 | 123,441,000 |
| Interest-bearing deposits | 96,541,000 | 99,574,000 | 102,092,000 | 103,516,000 |
| Noninterest-bearing deposits | 19,433,000 | 20,140,000 | 19,571,000 | 19,925,000 |
| Equity capital | 18,703,000 | 18,592,000 | 18,957,000 | 18,768,000 |
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 | 2,211,000 | 4,468,000 | 6,658,000 | 8,767,000 |
| Interest expense | 580,000 | 1,145,000 | 1,704,000 | 2,211,000 |
| Net interest income | 1,631,000 | 3,323,000 | 4,954,000 | 6,556,000 |
| Noninterest income | 232,000 | 484,000 | 707,000 | 910,000 |
| Noninterest expense | 1,253,000 | 2,879,000 | 4,168,000 | 5,523,000 |
| Provision for loan losses | 60,000 | 120,000 | 210,000 | 500,000 |
| Pretax income | 550,000 | 809,000 | 1,284,000 | 1,444,000 |
| Income tax | 36,000 | 53,000 | 84,000 | 95,000 |
| Net income | 514,000 | 756,000 | 1,200,000 | 1,349,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,405,000 | 18,359,000 | 18,515,000 | 18,376,000 |
| Total capital | 19,419,000 | 19,439,000 | 19,676,000 | 19,805,000 |
| Risk-weighted assets | 115,758,000 | 115,686,000 | 116,972,000 | 116,241,000 |