Call reports 2007
PEOPLES STATE BANK, THE — 2007
What PEOPLES STATE 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 | 193,123,000 | 205,257,000 | 201,104,000 | 207,201,000 |
| Total loans | 108,569,000 | 112,020,000 | 113,732,000 | 114,646,000 |
| Allowance for loan losses | 1,654,000 | 1,682,000 | 1,711,000 | 1,959,000 |
| Securities available for sale | 70,429,000 | 70,246,000 | 71,028,000 | 78,704,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,621,000 | 176,053,000 | 167,261,000 | 164,552,000 |
| Interest-bearing deposits | 143,591,000 | 155,615,000 | 146,922,000 | 144,411,000 |
| Noninterest-bearing deposits | 20,030,000 | 20,437,000 | 20,338,000 | 20,141,000 |
| Equity capital | 18,602,000 | 18,016,000 | 18,485,000 | 18,838,000 |
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 | 3,069,000 | 6,268,000 | 9,514,000 | 12,831,000 |
| Interest expense | 1,531,000 | 3,122,000 | 4,798,000 | 6,448,000 |
| Net interest income | 1,538,000 | 3,146,000 | 4,716,000 | 6,383,000 |
| Noninterest income | 584,000 | 1,059,000 | 1,505,000 | 1,932,000 |
| Noninterest expense | 1,502,000 | 3,081,000 | 4,603,000 | 6,069,000 |
| Provision for loan losses | 45,000 | 90,000 | 185,000 | 535,000 |
| Pretax income | 577,000 | 1,036,000 | 1,440,000 | 1,648,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 577,000 | 1,036,000 | 1,440,000 | 1,648,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,817,000 | 17,918,000 | 17,917,000 | 17,863,000 |
| Total capital | 19,471,000 | 19,600,000 | 19,628,000 | 19,781,000 |
| Risk-weighted assets | 137,192,000 | 144,962,000 | 146,405,000 | 153,361,000 |
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