Call reports 2007
PEOPLES STATE BANK OF MUNISING — 2007
What PEOPLES STATE BANK OF MUNISING 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 | 108,491,000 | 107,803,000 | 111,024,000 | 110,502,000 |
| Total loans | 76,682,000 | 77,619,000 | 77,692,000 | 78,112,000 |
| Allowance for loan losses | 1,242,000 | 1,230,000 | 1,165,000 | 1,053,000 |
| Securities available for sale | 20,176,000 | 19,594,000 | 22,899,000 | 21,712,000 |
| Securities held to maturity | 327,000 | 306,000 | 306,000 | 306,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,827,000 | 85,820,000 | 88,460,000 | 86,867,000 |
| Interest-bearing deposits | 77,148,000 | 75,472,000 | 77,904,000 | 77,234,000 |
| Noninterest-bearing deposits | 10,679,000 | 10,348,000 | 10,556,000 | 9,633,000 |
| Equity capital | 12,246,000 | 12,359,000 | 12,464,000 | 12,447,000 |
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 | 1,777,000 | 3,586,000 | 5,459,000 | 7,313,000 |
| Interest expense | 762,000 | 1,550,000 | 2,364,000 | 3,169,000 |
| Net interest income | 1,015,000 | 2,036,000 | 3,095,000 | 4,144,000 |
| Noninterest income | 150,000 | 320,000 | 506,000 | 679,000 |
| Noninterest expense | 807,000 | 1,696,000 | 2,605,000 | 3,491,000 |
| Provision for loan losses | 36,000 | 60,000 | 111,000 | 164,000 |
| Pretax income | 322,000 | 599,000 | 884,000 | 1,163,000 |
| Income tax | 53,000 | 85,000 | 122,000 | 153,000 |
| Net income | 269,000 | 514,000 | 762,000 | 1,010,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,802,000 | 12,047,000 | 11,995,000 | 11,906,000 |
| Total capital | 12,816,000 | 13,058,000 | 13,037,000 | 12,959,000 |
| Risk-weighted assets | 80,916,000 | 80,668,000 | 83,210,000 | 84,460,000 |
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