Call reports 2007
PEOPLES STATE BANK — 2007
What PEOPLES STATE 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 | 41,532,000 | 41,112,000 | 42,834,000 | 42,985,000 |
| Total loans | 28,907,000 | 29,595,000 | 29,245,000 | 29,680,000 |
| Allowance for loan losses | 651,000 | 666,000 | 672,000 | 647,000 |
| Securities available for sale | 9,369,000 | 9,431,000 | 10,190,000 | 9,503,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,690,000 | 35,658,000 | 37,106,000 | 37,265,000 |
| Interest-bearing deposits | 33,590,000 | 33,709,000 | 34,636,000 | 34,310,000 |
| Noninterest-bearing deposits | 2,100,000 | 1,949,000 | 2,470,000 | 2,955,000 |
| Equity capital | 3,597,000 | 3,599,000 | 3,819,000 | 3,957,000 |
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 | 756,000 | 1,532,000 | 2,336,000 | 3,147,000 |
| Interest expense | 344,000 | 686,000 | 1,044,000 | 1,406,000 |
| Net interest income | 412,000 | 846,000 | 1,292,000 | 1,741,000 |
| Noninterest income | 75,000 | 147,000 | 251,000 | 349,000 |
| Noninterest expense | 225,000 | 450,000 | 683,000 | 906,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 244,000 | 507,000 | 806,000 | 1,112,000 |
| Income tax | 10,000 | 21,000 | 32,000 | 47,000 |
| Net income | 234,000 | 486,000 | 774,000 | 1,065,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,629,000 | 3,704,000 | 3,842,000 | 3,943,000 |
| Total capital | 4,072,000 | 4,152,000 | 4,297,000 | 4,390,000 |
| Risk-weighted assets | 35,217,000 | 35,648,000 | 36,221,000 | 36,372,000 |
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