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 | 72,056,000 | 73,409,000 | 74,077,000 | 72,074,000 |
| Total loans | 39,452,000 | 40,046,000 | 40,905,000 | 40,905,000 |
| Allowance for loan losses | 475,000 | 442,000 | 448,000 | 457,000 |
| Securities available for sale | 26,032,000 | 27,063,000 | 26,492,000 | 24,663,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,061,000 | 56,092,000 | 56,459,000 | 56,027,000 |
| Interest-bearing deposits | 51,246,000 | 49,529,000 | 50,122,000 | 49,300,000 |
| Noninterest-bearing deposits | 5,815,000 | 6,563,000 | 6,337,000 | 6,727,000 |
| Equity capital | 6,725,000 | 6,585,000 | 7,033,000 | 7,297,000 |
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 | 1,019,000 | 2,109,000 | 3,212,000 | 4,323,000 |
| Interest expense | 547,000 | 1,142,000 | 1,761,000 | 2,356,000 |
| Net interest income | 472,000 | 967,000 | 1,451,000 | 1,967,000 |
| Noninterest income | 113,000 | 242,000 | 406,000 | 548,000 |
| Noninterest expense | 424,000 | 880,000 | 1,377,000 | 1,892,000 |
| Provision for loan losses | 5,000 | 10,000 | 15,000 | 25,000 |
| Pretax income | 156,000 | 328,000 | 475,000 | 606,000 |
| Income tax | 9,000 | 17,000 | 24,000 | 29,000 |
| Net income | 147,000 | 311,000 | 451,000 | 577,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,988,000 | 7,125,000 | 7,238,000 | 7,351,000 |
| Total capital | 7,463,000 | 7,567,000 | 7,686,000 | 7,808,000 |
| Risk-weighted assets | 44,974,000 | 46,619,000 | 47,143,000 | 46,805,000 |