Call reports 2006
PEOPLES STATE BANK OF VELVA — 2006
What PEOPLES STATE BANK OF VELVA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 26,270,000 | 26,741,000 | 26,471,000 | 26,156,000 |
| Total loans | 14,094,000 | 16,888,000 | 17,571,000 | 16,529,000 |
| Allowance for loan losses | 300,000 | 309,000 | 304,000 | 306,000 |
| Securities available for sale | 7,746,000 | 7,751,000 | 7,872,000 | 8,292,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,406,000 | 21,837,000 | 21,327,000 | 20,862,000 |
| Interest-bearing deposits | 18,281,000 | 18,751,000 | 18,111,000 | 17,751,000 |
| Noninterest-bearing deposits | 3,125,000 | 3,086,000 | 3,216,000 | 3,111,000 |
| Equity capital | 4,711,000 | 4,728,000 | 4,922,000 | 5,043,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 374,000 | 815,000 | 1,267,000 | 1,731,000 |
| Interest expense | 100,000 | 213,000 | 335,000 | 464,000 |
| Net interest income | 274,000 | 602,000 | 932,000 | 1,267,000 |
| Noninterest income | 24,000 | 48,000 | 74,000 | 96,000 |
| Noninterest expense | 200,000 | 399,000 | 602,000 | 835,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 11,000 |
| Pretax income | 95,000 | 245,000 | 395,000 | 517,000 |
| Income tax | 6,000 | 12,000 | 19,000 | 36,000 |
| Net income | 89,000 | 233,000 | 376,000 | 481,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,801,000 | 4,877,000 | 4,992,000 | 5,098,000 |
| Total capital | 4,991,000 | 5,103,000 | 5,219,000 | 5,313,000 |
| Risk-weighted assets | 15,116,000 | 18,000,000 | 18,065,000 | 17,147,000 |
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