Call reports 2010
PEOPLES STATE BANK — 2010
What PEOPLES STATE 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 | 60,914,000 | 60,140,000 | 60,212,000 | 61,691,000 |
| Total loans | 40,328,000 | 43,152,000 | 42,610,000 | 40,084,000 |
| Allowance for loan losses | 579,000 | 630,000 | 602,000 | 602,000 |
| Securities available for sale | 10,713,000 | 9,667,000 | 8,766,000 | 13,499,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,870,000 | 52,785,000 | 52,695,000 | 53,957,000 |
| Interest-bearing deposits | 43,176,000 | 43,965,000 | 42,951,000 | 43,099,000 |
| Noninterest-bearing deposits | 10,694,000 | 8,820,000 | 9,744,000 | 10,858,000 |
| Equity capital | 6,864,000 | 7,136,000 | 7,273,000 | 7,458,000 |
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 | 738,000 | 1,500,000 | 2,256,000 | 2,998,000 |
| Interest expense | 138,000 | 274,000 | 407,000 | 530,000 |
| Net interest income | 600,000 | 1,226,000 | 1,849,000 | 2,468,000 |
| Noninterest income | 76,000 | 152,000 | 228,000 | 375,000 |
| Noninterest expense | 491,000 | 932,000 | 1,378,000 | 1,840,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 50,000 |
| Pretax income | 185,000 | 396,000 | 649,000 | 953,000 |
| Income tax | 6,000 | 15,000 | 28,000 | 39,000 |
| Net income | 179,000 | 381,000 | 621,000 | 914,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,345,000 | 6,548,000 | 6,787,000 | 6,940,000 |
| Total capital | 6,880,000 | 7,103,000 | 7,338,000 | 7,469,000 |
| Risk-weighted assets | 42,745,000 | 44,288,000 | 44,038,000 | 42,275,000 |