Call reports 2007
PLEASANTS COUNTY BANK, THE — 2007
What PLEASANTS COUNTY BANK, THE 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 | 56,050,000 | 52,953,000 | 54,622,000 | 57,450,000 |
| Total loans | 30,782,000 | 32,612,000 | 34,211,000 | 34,828,000 |
| Allowance for loan losses | 338,000 | 328,000 | 340,000 | 362,000 |
| Securities available for sale | 12,858,000 | 10,890,000 | 9,957,000 | 14,519,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,578,000 | 46,409,000 | 47,999,000 | 50,887,000 |
| Interest-bearing deposits | 36,580,000 | 36,651,000 | 35,841,000 | 37,500,000 |
| Noninterest-bearing deposits | 12,998,000 | 9,758,000 | 12,158,000 | 13,387,000 |
| Equity capital | 6,280,000 | 6,365,000 | 6,419,000 | 6,341,000 |
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 | 763,000 | 1,551,000 | 2,369,000 | 3,228,000 |
| Interest expense | 212,000 | 445,000 | 699,000 | 966,000 |
| Net interest income | 551,000 | 1,106,000 | 1,670,000 | 2,262,000 |
| Noninterest income | 51,000 | 106,000 | 160,000 | 217,000 |
| Noninterest expense | 409,000 | 819,000 | 1,222,000 | 1,668,000 |
| Provision for loan losses | 15,000 | 33,000 | 58,000 | 88,000 |
| Pretax income | 178,000 | 360,000 | 550,000 | 723,000 |
| Income tax | 59,000 | 119,000 | 186,000 | 261,000 |
| Net income | 119,000 | 241,000 | 364,000 | 462,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,325,000 | 6,407,000 | 6,431,000 | 6,328,000 |
| Total capital | 6,663,000 | 6,735,000 | 6,771,000 | 6,690,000 |
| Risk-weighted assets | 33,326,000 | 33,660,000 | 35,058,000 | 35,572,000 |