Call reports 2007
PEOPLES STATE BANK OF VELVA — 2007
What PEOPLES STATE BANK OF VELVA 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 | 28,954,000 | 31,634,000 | 28,362,000 | 29,471,000 |
| Total loans | 14,495,000 | 15,303,000 | 15,843,000 | 15,701,000 |
| Allowance for loan losses | 306,000 | 309,000 | 312,000 | 312,000 |
| Securities available for sale | 9,567,000 | 10,615,000 | 10,593,000 | 11,187,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,743,000 | 26,493,000 | 22,968,000 | 23,892,000 |
| Interest-bearing deposits | 19,651,000 | 19,029,000 | 19,110,000 | 20,234,000 |
| Noninterest-bearing deposits | 4,092,000 | 7,464,000 | 3,858,000 | 3,658,000 |
| Equity capital | 4,998,000 | 4,906,000 | 5,120,000 | 5,307,000 |
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 | 443,000 | 918,000 | 1,410,000 | 1,886,000 |
| Interest expense | 130,000 | 269,000 | 416,000 | 567,000 |
| Net interest income | 313,000 | 649,000 | 994,000 | 1,319,000 |
| Noninterest income | 25,000 | 48,000 | 75,000 | 96,000 |
| Noninterest expense | 213,000 | 416,000 | 625,000 | 869,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 11,000 |
| Pretax income | 122,000 | 225,000 | 385,000 | 485,000 |
| Income tax | 6,000 | 12,000 | 18,000 | 35,000 |
| Net income | 116,000 | 213,000 | 367,000 | 450,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,034,000 | 5,033,000 | 5,134,000 | 5,218,000 |
| Total capital | 5,242,000 | 5,249,000 | 5,343,000 | 5,437,000 |
| Risk-weighted assets | 16,541,000 | 17,195,000 | 16,630,000 | 17,465,000 |
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