Call reports 2007
PEOPLES SAVINGS BANK — 2007
What PEOPLES SAVINGS BANK 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 | 113,116,000 | 101,499,000 | 110,535,000 | 108,823,000 |
| Total loans | 71,878,000 | 72,940,000 | 75,630,000 | 76,049,000 |
| Allowance for loan losses | 698,000 | 753,000 | 797,000 | 642,000 |
| Securities available for sale | 17,194,000 | 16,289,000 | 17,051,000 | 16,738,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,405,000 | 83,857,000 | 90,162,000 | 88,027,000 |
| Interest-bearing deposits | 78,419,000 | 67,865,000 | 73,900,000 | 70,256,000 |
| Noninterest-bearing deposits | 16,986,000 | 15,992,000 | 16,262,000 | 17,771,000 |
| Equity capital | 8,993,000 | 9,005,000 | 9,300,000 | 9,649,000 |
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 | 1,523,000 | 3,156,000 | 4,798,000 | 6,519,000 |
| Interest expense | 676,000 | 1,433,000 | 2,170,000 | 2,967,000 |
| Net interest income | 847,000 | 1,723,000 | 2,628,000 | 3,552,000 |
| Noninterest income | 222,000 | 462,000 | 664,000 | 887,000 |
| Noninterest expense | 738,000 | 1,497,000 | 2,247,000 | 2,971,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 271,000 | 568,000 | 865,000 | 1,224,000 |
| Income tax | 70,000 | 150,000 | 230,000 | 334,000 |
| Net income | 201,000 | 418,000 | 635,000 | 890,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,650,000 | 8,719,000 | 8,915,000 | 9,176,000 |
| Total capital | 9,348,000 | 9,472,000 | 9,712,000 | 9,818,000 |
| Risk-weighted assets | 80,750,000 | 78,844,000 | 81,958,000 | 82,147,000 |
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