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 | 492,729,000 | 502,718,000 | 512,941,000 | 533,942,000 |
| Total loans | 379,552,000 | 390,186,000 | 395,879,000 | 392,345,000 |
| Allowance for loan losses | 4,606,000 | 4,728,000 | 4,829,000 | 4,850,000 |
| Securities available for sale | 80,496,000 | 79,768,000 | 81,871,000 | 97,318,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 384,654,000 | 387,096,000 | 400,362,000 | 403,091,000 |
| Interest-bearing deposits | 333,918,000 | 334,903,000 | 351,538,000 | 347,616,000 |
| Noninterest-bearing deposits | 50,736,000 | 52,193,000 | 48,823,000 | 55,475,000 |
| Equity capital | 41,916,000 | 40,902,000 | 42,326,000 | 43,372,000 |
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 | 7,764,000 | 15,736,000 | 23,923,000 | 32,168,000 |
| Interest expense | 4,083,000 | 8,232,000 | 12,638,000 | 16,979,000 |
| Net interest income | 3,681,000 | 7,504,000 | 11,285,000 | 15,189,000 |
| Noninterest income | 838,000 | 1,835,000 | 2,757,000 | 3,689,000 |
| Noninterest expense | 3,211,000 | 6,335,000 | 9,363,000 | 12,475,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 1,188,000 | 2,764,000 | 4,319,000 | 5,923,000 |
| Income tax | 306,000 | 772,000 | 1,223,000 | 1,443,000 |
| Net income | 882,000 | 1,992,000 | 3,096,000 | 4,480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,873,000 | 41,663,000 | 42,252,000 | 42,860,000 |
| Total capital | 46,479,000 | 46,391,000 | 47,081,000 | 47,710,000 |
| Risk-weighted assets | 393,862,000 | 409,189,000 | 424,217,000 | 426,652,000 |