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 | 504,807,000 | 507,455,000 | 503,283,000 | 492,208,000 |
| Total loans | 410,570,000 | 418,160,000 | 420,906,000 | 390,194,000 |
| Allowance for loan losses | 4,232,000 | 5,865,000 | 4,076,000 | 5,184,000 |
| Securities available for sale | 61,576,000 | 59,462,000 | 49,033,000 | 62,583,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 449,787,000 | 453,452,000 | 435,396,000 | 438,015,000 |
| Interest-bearing deposits | 388,073,000 | 384,248,000 | 375,593,000 | 378,068,000 |
| Noninterest-bearing deposits | 61,714,000 | 69,204,000 | 59,803,000 | 59,947,000 |
| Equity capital | 45,071,000 | 43,721,000 | 42,355,000 | 41,099,000 |
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 | 8,518,000 | 16,998,000 | 25,096,000 | 33,408,000 |
| Interest expense | 3,531,000 | 7,225,000 | 11,047,000 | 14,818,000 |
| Net interest income | 4,987,000 | 9,773,000 | 14,049,000 | 18,590,000 |
| Noninterest income | 989,000 | 2,063,000 | 2,808,000 | 3,750,000 |
| Noninterest expense | 4,579,000 | 9,123,000 | 13,863,000 | 18,883,000 |
| Provision for loan losses | 120,000 | 1,960,000 | 4,485,000 | 7,663,000 |
| Pretax income | 1,277,000 | 753,000 | -1,523,000 | -4,247,000 |
| Income tax | 342,000 | 78,000 | -771,000 | -1,737,000 |
| Net income | 935,000 | 675,000 | -752,000 | -2,510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,024,000 | 40,303,000 | 38,393,000 | 36,709,000 |
| Total capital | 45,256,000 | 45,461,000 | 42,469,000 | 41,658,000 |
| Risk-weighted assets | 405,117,000 | 411,966,000 | 415,274,000 | 395,682,000 |