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 | 63,410,000 | 62,197,000 | 59,395,000 | 59,813,000 |
| Total loans | 40,080,000 | 41,046,000 | 42,610,000 | 41,546,000 |
| Allowance for loan losses | 644,000 | 508,000 | 653,000 | 573,000 |
| Securities available for sale | 13,415,000 | 13,408,000 | 12,548,000 | 11,791,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,796,000 | 55,600,000 | 52,181,000 | 52,846,000 |
| Interest-bearing deposits | 45,996,000 | 48,132,000 | 42,219,000 | 42,653,000 |
| Noninterest-bearing deposits | 9,800,000 | 7,468,000 | 9,962,000 | 10,193,000 |
| Equity capital | 7,368,000 | 6,342,000 | 6,497,000 | 6,739,000 |
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 | 815,000 | 1,571,000 | 2,374,000 | 3,191,000 |
| Interest expense | 220,000 | 422,000 | 600,000 | 753,000 |
| Net interest income | 595,000 | 1,149,000 | 1,774,000 | 2,438,000 |
| Noninterest income | 69,000 | 145,000 | 220,000 | 361,000 |
| Noninterest expense | 358,000 | 1,719,000 | 2,021,000 | 2,510,000 |
| Provision for loan losses | 300,000 | 500,000 | 880,000 | 980,000 |
| Pretax income | 6,000 | -925,000 | -907,000 | -691,000 |
| Income tax | 1,000 | 0 | 0 | -23,000 |
| Net income | 5,000 | -925,000 | -907,000 | -668,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,999,000 | 5,969,000 | 5,987,000 | 6,226,000 |
| Total capital | 7,560,000 | 6,477,000 | 6,542,000 | 6,768,000 |
| Risk-weighted assets | 44,833,000 | 44,462,000 | 44,297,000 | 43,333,000 |