Call reports 2006
PEOPLES NATIONAL BANK OF MT. PLEASANT, THE — 2006
What PEOPLES NATIONAL BANK OF MT. PLEASANT, THE 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 | 47,032,000 | 47,115,000 | 44,851,000 | 44,955,000 |
| Total loans | 28,380,000 | 29,339,000 | 29,565,000 | 29,075,000 |
| Allowance for loan losses | 130,000 | 101,000 | 105,000 | 136,000 |
| Securities available for sale | 7,271,000 | 6,287,000 | 4,395,000 | 4,421,000 |
| Securities held to maturity | 8,500,000 | 8,500,000 | 8,500,000 | 8,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,933,000 | 40,946,000 | 38,562,000 | 38,612,000 |
| Interest-bearing deposits | 36,161,000 | 35,856,000 | 34,006,000 | 34,403,000 |
| Noninterest-bearing deposits | 4,772,000 | 5,090,000 | 4,556,000 | 4,209,000 |
| Equity capital | 5,945,000 | 5,978,000 | 6,121,000 | 6,140,000 |
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 | 610,000 | 1,240,000 | 1,883,000 | 2,518,000 |
| Interest expense | 217,000 | 455,000 | 700,000 | 955,000 |
| Net interest income | 393,000 | 785,000 | 1,183,000 | 1,563,000 |
| Noninterest income | 67,000 | 142,000 | 212,000 | 284,000 |
| Noninterest expense | 400,000 | 772,000 | 1,122,000 | 1,477,000 |
| Provision for loan losses | 0 | 32,000 | 36,000 | 78,000 |
| Pretax income | 60,000 | 102,000 | 165,000 | 220,000 |
| Income tax | 20,000 | 37,000 | 55,000 | 74,000 |
| Net income | 40,000 | 65,000 | 110,000 | 146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,174,000 | 6,191,000 | 6,226,000 | 6,219,000 |
| Total capital | 6,304,000 | 6,292,000 | 6,331,000 | 6,355,000 |
| Risk-weighted assets | 27,261,000 | 27,974,000 | 27,886,000 | 27,546,000 |