Call reports 2007
PEOPLESSOUTH BANK — 2007
What PEOPLESSOUTH 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 | 447,010,000 | 429,122,000 | 444,562,000 | 453,347,000 |
| Total loans | 311,289,000 | 322,681,000 | 335,813,000 | 340,349,000 |
| Allowance for loan losses | 5,352,000 | 5,395,000 | 5,393,000 | 5,189,000 |
| Securities available for sale | 85,987,000 | 79,962,000 | 82,890,000 | 82,613,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 404,493,000 | 388,174,000 | 392,640,000 | 406,755,000 |
| Interest-bearing deposits | 369,071,000 | 353,580,000 | 357,695,000 | 369,167,000 |
| Noninterest-bearing deposits | 35,422,000 | 34,594,000 | 34,945,000 | 37,588,000 |
| Equity capital | 38,771,000 | 37,842,000 | 39,942,000 | 42,098,000 |
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 | 8,235,000 | 16,445,000 | 24,855,000 | 33,302,000 |
| Interest expense | 4,203,000 | 8,239,000 | 12,375,000 | 16,488,000 |
| Net interest income | 4,032,000 | 8,206,000 | 12,480,000 | 16,814,000 |
| Noninterest income | 425,000 | 863,000 | 1,348,000 | 1,737,000 |
| Noninterest expense | 2,264,000 | 4,444,000 | 6,713,000 | 9,219,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,193,000 | 4,625,000 | 7,115,000 | 9,336,000 |
| Income tax | 733,000 | 1,588,000 | 2,473,000 | 3,274,000 |
| Net income | 1,460,000 | 3,037,000 | 4,642,000 | 6,062,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,877,000 | 39,222,000 | 40,630,000 | 41,859,000 |
| Total capital | 43,041,000 | 43,359,000 | 44,946,000 | 46,335,000 |
| Risk-weighted assets | 331,970,000 | 329,719,000 | 344,198,000 | 357,435,000 |
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