Call reports 2006
PEOPLES BANK OF GRACEVILLE — 2006
What PEOPLES BANK OF GRACEVILLE 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 | 55,523,000 | 53,234,000 | 58,336,000 | 55,288,000 |
| Total loans | 20,464,000 | 19,679,000 | 21,256,000 | 21,512,000 |
| Allowance for loan losses | 232,000 | 234,000 | 234,000 | 230,000 |
| Securities available for sale | 28,859,000 | 27,571,000 | 27,875,000 | 28,335,000 |
| Securities held to maturity | 2,391,000 | 2,363,000 | 2,361,000 | 2,171,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,481,000 | 43,407,000 | 47,744,000 | 44,434,000 |
| Interest-bearing deposits | 34,310,000 | 33,106,000 | 35,960,000 | 34,203,000 |
| Noninterest-bearing deposits | 11,171,000 | 10,301,000 | 11,784,000 | 10,231,000 |
| Equity capital | 9,525,000 | 9,292,000 | 10,057,000 | 9,847,000 |
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 | 732,000 | 1,473,000 | 2,251,000 | 3,035,000 |
| Interest expense | 192,000 | 394,000 | 616,000 | 861,000 |
| Net interest income | 540,000 | 1,079,000 | 1,635,000 | 2,174,000 |
| Noninterest income | 88,000 | 184,000 | 286,000 | 389,000 |
| Noninterest expense | 260,000 | 525,000 | 798,000 | 1,116,000 |
| Provision for loan losses | 0 | 0 | 0 | 1,000 |
| Pretax income | 368,000 | 725,000 | 1,110,000 | 1,420,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 368,000 | 725,000 | 1,110,000 | 1,420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,327,000 | 10,478,000 | 10,670,000 | 10,320,000 |
| Total capital | 10,559,000 | 10,712,000 | 10,903,000 | 10,550,000 |
| Risk-weighted assets | 25,063,000 | 24,348,000 | 26,330,000 | 25,689,000 |