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 | 500,301,000 | 503,467,000 | 500,417,000 | 501,593,000 |
| Total loans | 382,959,000 | 385,084,000 | 374,798,000 | 375,228,000 |
| Allowance for loan losses | 4,324,000 | 4,210,000 | 4,370,000 | 4,478,000 |
| Securities available for sale | 84,441,000 | 84,003,000 | 79,102,000 | 80,429,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 396,196,000 | 396,063,000 | 392,845,000 | 392,723,000 |
| Interest-bearing deposits | 340,428,000 | 339,625,000 | 337,551,000 | 337,632,000 |
| Noninterest-bearing deposits | 55,768,000 | 56,438,000 | 55,294,000 | 55,091,000 |
| Equity capital | 42,978,000 | 39,025,000 | 40,995,000 | 40,976,000 |
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 | 7,233,000 | 14,789,000 | 22,473,000 | 30,207,000 |
| Interest expense | 3,501,000 | 7,276,000 | 11,267,000 | 15,300,000 |
| Net interest income | 3,732,000 | 7,513,000 | 11,206,000 | 14,907,000 |
| Noninterest income | 619,000 | 1,492,000 | 2,873,000 | 3,735,000 |
| Noninterest expense | 3,084,000 | 6,236,000 | 9,183,000 | 12,271,000 |
| Provision for loan losses | 135,000 | 255,000 | 375,000 | 495,000 |
| Pretax income | 1,132,000 | 2,514,000 | 4,049,000 | 5,404,000 |
| Income tax | 314,000 | 720,000 | 1,203,000 | 1,605,000 |
| Net income | 818,000 | 1,794,000 | 2,846,000 | 3,799,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,569,000 | 40,042,000 | 41,097,000 | 40,990,000 |
| Total capital | 47,893,000 | 44,252,000 | 45,467,000 | 45,468,000 |
| Risk-weighted assets | 392,982,000 | 394,873,000 | 392,863,000 | 390,025,000 |