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 | 57,251,000 | 61,129,000 | 64,285,000 | 64,768,000 |
| Total loans | 43,407,000 | 46,207,000 | 50,690,000 | 55,227,000 |
| Allowance for loan losses | 607,000 | 589,000 | 573,000 | 619,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,109,000 | 1,091,000 | 1,074,000 | 1,061,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,925,000 | 55,874,000 | 58,867,000 | 59,232,000 |
| Interest-bearing deposits | 44,512,000 | 49,252,000 | 52,073,000 | 52,723,000 |
| Noninterest-bearing deposits | 7,414,000 | 6,622,000 | 6,794,000 | 6,509,000 |
| Equity capital | 4,931,000 | 4,897,000 | 5,021,000 | 5,077,000 |
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 | 970,000 | 2,008,000 | 3,155,000 | 4,404,000 |
| Interest expense | 404,000 | 912,000 | 1,483,000 | 2,046,000 |
| Net interest income | 566,000 | 1,096,000 | 1,672,000 | 2,358,000 |
| Noninterest income | 43,000 | 99,000 | 152,000 | 203,000 |
| Noninterest expense | 433,000 | 912,000 | 1,347,000 | 1,935,000 |
| Provision for loan losses | 15,000 | 75,000 | 120,000 | 165,000 |
| Pretax income | 161,000 | 208,000 | 357,000 | 461,000 |
| Income tax | 30,000 | 110,000 | 135,000 | 135,000 |
| Net income | 131,000 | 98,000 | 222,000 | 326,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,931,000 | 4,897,000 | 5,021,000 | 5,077,000 |
| Total capital | 5,433,000 | 5,383,000 | 5,594,000 | 5,696,000 |
| Risk-weighted assets | 39,271,000 | 42,181,000 | 45,479,000 | 49,262,000 |
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