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 |
|---|---|---|
| Total assets | 26,081,000 | 24,997,000 |
| Total loans | 17,698,000 | 16,705,000 |
| Allowance for loan losses | 408,000 | 441,000 |
| Securities available for sale | 563,000 | 518,000 |
| Securities held to maturity | 277,000 | 277,000 |
| Trading assets | 0 | 0 |
| Total deposits | 23,656,000 | 22,834,000 |
| Interest-bearing deposits | 19,345,000 | 19,299,000 |
| Noninterest-bearing deposits | 4,311,000 | 3,535,000 |
| Equity capital | 2,372,000 | 2,100,000 |
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 |
|---|---|---|
| Interest income | 264,000 | 512,000 |
| Interest expense | 91,000 | 182,000 |
| Net interest income | 173,000 | 330,000 |
| Noninterest income | 47,000 | 81,000 |
| Noninterest expense | 346,000 | 684,000 |
| Provision for loan losses | 191,000 | 484,000 |
| Pretax income | -323,000 | -763,000 |
| Income tax | -120,000 | -288,000 |
| Net income | -203,000 | -475,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 |
|---|---|---|
| Tier 1 capital | 1,921,000 | 1,682,000 |
| Total capital | 2,133,000 | 1,883,000 |
| Risk-weighted assets | 16,784,000 | 15,819,000 |