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 | 22,730,000 | 22,709,000 | 23,642,000 | 23,021,000 |
| Total loans | 10,835,000 | 11,167,000 | 12,335,000 | 12,033,000 |
| Allowance for loan losses | 127,000 | 126,000 | 161,000 | 140,000 |
| Securities available for sale | 6,595,000 | 6,479,000 | 6,742,000 | 6,396,000 |
| Securities held to maturity | 2,571,000 | 2,586,000 | 2,601,000 | 2,617,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,121,000 | 20,272,000 | 20,523,000 | 20,130,000 |
| Interest-bearing deposits | 16,920,000 | 16,963,000 | 17,518,000 | 17,037,000 |
| Noninterest-bearing deposits | 3,201,000 | 3,310,000 | 3,005,000 | 3,093,000 |
| Equity capital | 2,487,000 | 2,285,000 | 2,421,000 | 2,466,000 |
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 | 300,000 | 620,000 | 953,000 | 1,347,000 |
| Interest expense | 110,000 | 223,000 | 354,000 | 492,000 |
| Net interest income | 190,000 | 397,000 | 599,000 | 855,000 |
| Noninterest income | 53,000 | 107,000 | 148,000 | 229,000 |
| Noninterest expense | 222,000 | 434,000 | 661,000 | 885,000 |
| Provision for loan losses | 0 | 0 | 40,000 | 40,000 |
| Pretax income | 21,000 | 70,000 | 46,000 | 177,000 |
| Income tax | 1,000 | 4,000 | 8,000 | 14,000 |
| Net income | 20,000 | 66,000 | 38,000 | 163,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,665,000 | 2,436,000 | 2,405,000 | 2,456,000 |
| Total capital | 2,792,000 | 2,562,000 | 2,566,000 | 2,596,000 |
| Risk-weighted assets | 11,965,000 | 12,408,000 | 13,207,000 | 12,846,000 |