Call reports 2007
PEOPLES STATE BANK, FAIRMOUNT, NORTH DAKOTA — 2007
What PEOPLES STATE BANK, FAIRMOUNT, NORTH DAKOTA 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 | 15,297,000 | 14,525,000 | 15,074,000 | 17,828,000 |
| Total loans | 10,217,000 | 10,966,000 | 11,019,000 | 10,414,000 |
| Allowance for loan losses | 149,000 | 151,000 | 152,000 | 152,000 |
| Securities available for sale | 1,543,000 | 1,484,000 | 2,202,000 | 2,437,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,838,000 | 13,025,000 | 13,511,000 | 16,303,000 |
| Interest-bearing deposits | 10,551,000 | 10,282,000 | 10,593,000 | 11,434,000 |
| Noninterest-bearing deposits | 3,287,000 | 2,743,000 | 2,918,000 | 4,869,000 |
| Equity capital | 1,301,000 | 1,334,000 | 1,357,000 | 1,355,000 |
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 | 263,000 | 538,000 | 824,000 | 1,092,000 |
| Interest expense | 74,000 | 155,000 | 244,000 | 328,000 |
| Net interest income | 189,000 | 383,000 | 580,000 | 764,000 |
| Noninterest income | 20,000 | 40,000 | 60,000 | 78,000 |
| Noninterest expense | 135,000 | 270,000 | 425,000 | 673,000 |
| Provision for loan losses | 2,000 | 12,000 | 12,000 | 12,000 |
| Pretax income | 72,000 | 141,000 | 203,000 | 157,000 |
| Income tax | 24,000 | 50,000 | 72,000 | 45,000 |
| Net income | 48,000 | 91,000 | 131,000 | 112,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,306,000 | 1,349,000 | 1,358,000 | 1,339,000 |
| Total capital | 1,420,000 | 1,467,000 | 1,481,000 | 1,465,000 |
| Risk-weighted assets | 9,065,000 | 9,405,000 | 9,810,000 | 10,084,000 |