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 | 29,991,000 | 29,108,000 | 26,841,000 | 26,175,000 |
| Total loans | 21,276,000 | 21,223,000 | 19,438,000 | 18,676,000 |
| Allowance for loan losses | 384,000 | 400,000 | 399,000 | 539,000 |
| Securities available for sale | 977,000 | 932,000 | 1,104,000 | 825,000 |
| Securities held to maturity | 455,000 | 454,000 | 453,000 | 453,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,925,000 | 24,133,000 | 23,576,000 | 23,553,000 |
| Interest-bearing deposits | 21,199,000 | 20,729,000 | 20,299,000 | 19,462,000 |
| Noninterest-bearing deposits | 3,726,000 | 3,404,000 | 3,277,000 | 4,091,000 |
| Equity capital | 4,859,000 | 4,810,000 | 3,182,000 | 2,576,000 |
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 | 289,000 | 610,000 | 899,000 | 1,196,000 |
| Interest expense | 129,000 | 239,000 | 344,000 | 439,000 |
| Net interest income | 160,000 | 371,000 | 555,000 | 757,000 |
| Noninterest income | 45,000 | 88,000 | 117,000 | 126,000 |
| Noninterest expense | 302,000 | 612,000 | 2,411,000 | 3,121,000 |
| Provision for loan losses | 1,000 | 19,000 | 141,000 | 385,000 |
| Pretax income | -97,000 | -171,000 | -1,879,000 | -2,616,000 |
| Income tax | -35,000 | -62,000 | -140,000 | -276,000 |
| Net income | -62,000 | -109,000 | -1,739,000 | -2,340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,690,000 | 2,651,000 | 2,529,000 | 2,314,000 |
| Total capital | 2,956,000 | 2,903,000 | 2,765,000 | 2,541,000 |
| Risk-weighted assets | 21,127,000 | 19,984,000 | 18,691,000 | 17,840,000 |