Call reports 2010
PEOPLES BANK OF THE SOUTH — 2010
What PEOPLES BANK OF THE SOUTH 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 | 147,897,000 | 150,173,000 | 150,284,000 | 152,023,000 |
| Total loans | 125,031,000 | 125,965,000 | 121,536,000 | 124,782,000 |
| Allowance for loan losses | 1,530,000 | 1,643,000 | 1,694,000 | 1,773,000 |
| Securities available for sale | 11,028,000 | 9,752,000 | 9,839,000 | 8,463,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,992,000 | 122,880,000 | 124,392,000 | 126,871,000 |
| Interest-bearing deposits | 103,778,000 | 103,006,000 | 104,464,000 | 105,944,000 |
| Noninterest-bearing deposits | 19,214,000 | 19,874,000 | 19,928,000 | 20,927,000 |
| Equity capital | 18,864,000 | 19,003,000 | 19,269,000 | 18,921,000 |
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 | 2,032,000 | 4,155,000 | 6,208,000 | 8,149,000 |
| Interest expense | 461,000 | 894,000 | 1,301,000 | 1,683,000 |
| Net interest income | 1,571,000 | 3,261,000 | 4,907,000 | 6,466,000 |
| Noninterest income | 170,000 | 385,000 | 614,000 | 918,000 |
| Noninterest expense | 1,230,000 | 2,528,000 | 3,749,000 | 5,071,000 |
| Provision for loan losses | 105,000 | 210,000 | 360,000 | 683,000 |
| Pretax income | 406,000 | 909,000 | 1,413,000 | 1,631,000 |
| Income tax | 30,000 | 63,000 | 96,000 | 115,000 |
| Net income | 376,000 | 846,000 | 1,317,000 | 1,516,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,464,000 | 18,646,000 | 18,829,000 | 18,617,000 |
| Total capital | 19,921,000 | 20,116,000 | 20,250,000 | 20,073,000 |
| Risk-weighted assets | 116,501,000 | 117,414,000 | 113,433,000 | 116,151,000 |