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 | 64,794,000 | 64,568,000 | 65,141,000 | 68,782,000 |
| Total loans | 37,229,000 | 38,547,000 | 37,146,000 | 37,934,000 |
| Allowance for loan losses | 465,000 | 470,000 | 469,000 | 468,000 |
| Securities available for sale | 20,935,000 | 20,548,000 | 21,806,000 | 24,039,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,336,000 | 48,324,000 | 49,761,000 | 52,922,000 |
| Interest-bearing deposits | 42,623,000 | 43,206,000 | 44,526,000 | 46,522,000 |
| Noninterest-bearing deposits | 5,713,000 | 5,118,000 | 5,235,000 | 6,400,000 |
| Equity capital | 6,662,000 | 6,065,000 | 6,333,000 | 6,544,000 |
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 | 881,000 | 1,842,000 | 2,772,000 | 3,786,000 |
| Interest expense | 404,000 | 878,000 | 1,365,000 | 1,893,000 |
| Net interest income | 477,000 | 964,000 | 1,407,000 | 1,893,000 |
| Noninterest income | 101,000 | 203,000 | 311,000 | 418,000 |
| Noninterest expense | 419,000 | 838,000 | 1,262,000 | 1,746,000 |
| Provision for loan losses | 0 | 5,000 | 10,000 | 10,000 |
| Pretax income | 159,000 | 324,000 | 446,000 | 555,000 |
| Income tax | 9,000 | 17,000 | 22,000 | 28,000 |
| Net income | 150,000 | 307,000 | 424,000 | 527,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,151,000 | 6,706,000 | 6,791,000 | 6,828,000 |
| Total capital | 7,616,000 | 7,176,000 | 7,260,000 | 7,296,000 |
| Risk-weighted assets | 41,542,000 | 42,318,000 | 41,390,000 | 42,877,000 |