Call reports 2007
PEOPLES BANK, THE — 2007
What PEOPLES BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 158,366,000 | 153,887,000 | 150,368,000 | 153,476,000 |
| Total loans | 113,041,000 | 110,502,000 | 105,709,000 | 109,767,000 |
| Allowance for loan losses | 1,244,000 | 1,306,000 | 1,348,000 | 1,355,000 |
| Securities available for sale | 23,835,000 | 23,312,000 | 23,167,000 | 22,833,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,721,000 | 133,187,000 | 129,207,000 | 132,380,000 |
| Interest-bearing deposits | 114,537,000 | 109,025,000 | 106,217,000 | 110,520,000 |
| Noninterest-bearing deposits | 23,184,000 | 24,162,000 | 22,990,000 | 21,860,000 |
| Equity capital | 12,008,000 | 12,243,000 | 12,591,000 | 12,480,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,722,000 | 5,518,000 | 8,307,000 | 10,953,000 |
| Interest expense | 1,141,000 | 2,171,000 | 3,185,000 | 4,160,000 |
| Net interest income | 1,581,000 | 3,347,000 | 5,122,000 | 6,793,000 |
| Noninterest income | 331,000 | 658,000 | 942,000 | 1,289,000 |
| Noninterest expense | 1,285,000 | 2,679,000 | 3,996,000 | 5,551,000 |
| Provision for loan losses | 47,000 | 100,000 | 151,000 | 200,000 |
| Pretax income | 580,000 | 1,226,000 | 1,917,000 | 2,331,000 |
| Income tax | 240,000 | -42,000 | 140,000 | 140,000 |
| Net income | 340,000 | 1,268,000 | 1,777,000 | 2,191,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,016,000 | 12,382,000 | 12,587,000 | 12,265,000 |
| Total capital | 13,260,000 | 13,688,000 | 13,935,000 | 13,620,000 |
| Risk-weighted assets | 112,932,000 | 109,349,000 | 109,092,000 | 112,082,000 |
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