Call reports 2007
PEOPLES COMMUNITY BANK — 2007
What PEOPLES COMMUNITY 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 | 106,622,000 | 108,196,000 | 107,222,000 | 107,848,000 |
| Total loans | 88,011,000 | 89,992,000 | 93,297,000 | 95,304,000 |
| Allowance for loan losses | 1,108,000 | 1,098,000 | 1,089,000 | 1,091,000 |
| Securities available for sale | 1,819,000 | 1,057,000 | 1,060,000 | 1,073,000 |
| Securities held to maturity | 1,938,000 | 2,038,000 | 2,037,000 | 2,037,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,560,000 | 95,958,000 | 94,677,000 | 95,277,000 |
| Interest-bearing deposits | 81,538,000 | 81,277,000 | 80,936,000 | 83,761,000 |
| Noninterest-bearing deposits | 13,022,000 | 14,681,000 | 13,741,000 | 11,516,000 |
| Equity capital | 11,353,000 | 11,505,000 | 11,683,000 | 11,759,000 |
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 | 1,701,000 | 3,445,000 | 5,242,000 | 7,083,000 |
| Interest expense | 527,000 | 1,082,000 | 1,657,000 | 2,246,000 |
| Net interest income | 1,174,000 | 2,363,000 | 3,585,000 | 4,837,000 |
| Noninterest income | 110,000 | 226,000 | 349,000 | 478,000 |
| Noninterest expense | 940,000 | 1,932,000 | 2,932,000 | 3,927,000 |
| Provision for loan losses | 15,000 | 0 | 0 | 0 |
| Pretax income | 329,000 | 657,000 | 1,002,000 | 1,388,000 |
| Income tax | 85,000 | 170,000 | 255,000 | 451,000 |
| Net income | 244,000 | 487,000 | 747,000 | 937,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,356,000 | 11,516,000 | 11,691,000 | 11,758,000 |
| Total capital | 12,339,000 | 12,527,000 | 12,719,000 | 12,789,000 |
| Risk-weighted assets | 78,542,000 | 80,786,000 | 82,203,000 | 82,421,000 |