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 | 495,426,000 | 500,793,000 | 496,467,000 | 497,233,000 |
| Total loans | 373,008,000 | 382,482,000 | 389,249,000 | 402,037,000 |
| Allowance for loan losses | 3,753,000 | 3,807,000 | 3,969,000 | 4,257,000 |
| Securities available for sale | 91,584,000 | 87,502,000 | 70,085,000 | 62,216,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 437,448,000 | 447,617,000 | 449,248,000 | 433,855,000 |
| Interest-bearing deposits | 378,381,000 | 388,286,000 | 387,976,000 | 371,758,000 |
| Noninterest-bearing deposits | 59,067,000 | 59,331,000 | 61,272,000 | 62,097,000 |
| Equity capital | 43,294,000 | 43,094,000 | 43,743,000 | 44,428,000 |
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 | 7,929,000 | 16,097,000 | 24,641,000 | 33,102,000 |
| Interest expense | 3,019,000 | 6,287,000 | 9,755,000 | 13,191,000 |
| Net interest income | 4,910,000 | 9,810,000 | 14,886,000 | 19,911,000 |
| Noninterest income | 1,043,000 | 2,147,000 | 3,206,000 | 4,064,000 |
| Noninterest expense | 4,719,000 | 9,084,000 | 13,525,000 | 17,910,000 |
| Provision for loan losses | 188,000 | 479,000 | 1,084,000 | 1,839,000 |
| Pretax income | 993,000 | 2,341,000 | 3,375,000 | 4,005,000 |
| Income tax | 232,000 | 585,000 | 842,000 | 970,000 |
| Net income | 761,000 | 1,756,000 | 2,533,000 | 3,035,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,654,000 | 40,010,000 | 40,188,000 | 40,501,000 |
| Total capital | 43,407,000 | 43,817,000 | 44,157,000 | 44,758,000 |
| Risk-weighted assets | 372,519,000 | 381,770,000 | 383,544,000 | 395,278,000 |