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 | 95,880,000 | 92,668,000 | 91,984,000 | 93,935,000 |
| Total loans | 69,693,000 | 69,706,000 | 69,909,000 | 69,535,000 |
| Allowance for loan losses | 473,000 | 495,000 | 534,000 | 581,000 |
| Securities available for sale | 12,736,000 | 12,211,000 | 12,667,000 | 13,516,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,677,000 | 79,446,000 | 78,297,000 | 81,267,000 |
| Interest-bearing deposits | 68,512,000 | 66,405,000 | 65,895,000 | 67,025,000 |
| Noninterest-bearing deposits | 13,165,000 | 13,041,000 | 12,402,000 | 14,242,000 |
| Equity capital | 9,836,000 | 9,898,000 | 10,215,000 | 9,381,000 |
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 | 1,553,000 | 3,112,000 | 4,683,000 | 6,279,000 |
| Interest expense | 477,000 | 961,000 | 1,457,000 | 1,966,000 |
| Net interest income | 1,076,000 | 2,151,000 | 3,226,000 | 4,313,000 |
| Noninterest income | 152,000 | 296,000 | 481,000 | 652,000 |
| Noninterest expense | 886,000 | 1,756,000 | 2,649,000 | 3,560,000 |
| Provision for loan losses | 66,000 | 112,000 | 158,000 | 180,000 |
| Pretax income | 279,000 | 584,000 | 905,000 | 1,231,000 |
| Income tax | 73,000 | 174,000 | 268,000 | 342,000 |
| Net income | 206,000 | 410,000 | 637,000 | 889,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,692,000 | 8,881,000 | 9,093,000 | 8,182,000 |
| Total capital | 9,165,000 | 9,376,000 | 9,627,000 | 8,763,000 |
| Risk-weighted assets | 60,311,000 | 60,386,000 | 60,276,000 | 60,077,000 |