Call reports 2006
PEOPLES STATE BANK — 2006
What PEOPLES STATE BANK 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 | 93,660,000 | 95,142,000 | 95,964,000 | 94,298,000 |
| Total loans | 76,842,000 | 75,606,000 | 73,961,000 | 72,793,000 |
| Allowance for loan losses | 799,000 | 790,000 | 842,000 | 404,000 |
| Securities available for sale | 8,962,000 | 9,210,000 | 10,208,000 | 12,616,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,074,000 | 81,654,000 | 81,910,000 | 80,376,000 |
| Interest-bearing deposits | 66,853,000 | 68,065,000 | 69,356,000 | 67,480,000 |
| Noninterest-bearing deposits | 13,221,000 | 13,589,000 | 12,554,000 | 12,896,000 |
| Equity capital | 9,239,000 | 9,418,000 | 9,688,000 | 9,715,000 |
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 | 1,419,000 | 2,900,000 | 4,461,000 | 6,007,000 |
| Interest expense | 363,000 | 775,000 | 1,226,000 | 1,706,000 |
| Net interest income | 1,056,000 | 2,125,000 | 3,235,000 | 4,301,000 |
| Noninterest income | 167,000 | 344,000 | 536,000 | 696,000 |
| Noninterest expense | 907,000 | 1,791,000 | 2,696,000 | 3,565,000 |
| Provision for loan losses | 32,000 | 104,000 | 170,000 | 236,000 |
| Pretax income | 284,000 | 574,000 | 905,000 | 1,196,000 |
| Income tax | 65,000 | 143,000 | 238,000 | 349,000 |
| Net income | 219,000 | 431,000 | 667,000 | 847,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,146,000 | 8,341,000 | 8,561,000 | 8,576,000 |
| Total capital | 8,942,000 | 9,124,000 | 9,349,000 | 8,980,000 |
| Risk-weighted assets | 63,665,000 | 64,006,000 | 62,982,000 | 61,944,000 |