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 | 338,503,000 | 339,296,000 | 349,756,000 | 359,094,000 |
| Total loans | 287,388,000 | 293,426,000 | 298,729,000 | 293,138,000 |
| Allowance for loan losses | 4,389,000 | 4,649,000 | 4,778,000 | 4,320,000 |
| Securities available for sale | 32,192,000 | 29,562,000 | 30,011,000 | 34,428,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 267,361,000 | 268,873,000 | 278,511,000 | 288,377,000 |
| Interest-bearing deposits | 230,424,000 | 226,761,000 | 234,230,000 | 237,787,000 |
| Noninterest-bearing deposits | 36,937,000 | 42,112,000 | 44,281,000 | 50,590,000 |
| Equity capital | 32,783,000 | 33,479,000 | 34,729,000 | 35,608,000 |
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 | 4,682,000 | 9,562,000 | 14,472,000 | 19,291,000 |
| Interest expense | 2,011,000 | 3,823,000 | 5,581,000 | 7,336,000 |
| Net interest income | 2,671,000 | 5,739,000 | 8,891,000 | 11,955,000 |
| Noninterest income | 336,000 | 653,000 | 1,017,000 | 1,518,000 |
| Noninterest expense | 1,598,000 | 3,346,000 | 5,127,000 | 6,850,000 |
| Provision for loan losses | 225,000 | 480,000 | 975,000 | 1,536,000 |
| Pretax income | 1,184,000 | 2,566,000 | 3,806,000 | 5,087,000 |
| Income tax | 1,000 | 8,000 | 15,000 | 22,000 |
| Net income | 1,183,000 | 2,558,000 | 3,791,000 | 5,065,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,639,000 | 33,341,000 | 33,901,000 | 34,939,000 |
| Total capital | 36,159,000 | 36,974,000 | 37,639,000 | 38,628,000 |
| Risk-weighted assets | 281,626,000 | 290,674,000 | 299,079,000 | 298,189,000 |