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 | 23,197,000 | 22,217,000 | 22,697,000 | 22,447,000 |
| Total loans | 11,665,000 | 11,564,000 | 11,687,000 | 11,643,000 |
| Allowance for loan losses | 133,000 | 147,000 | 174,000 | 178,000 |
| Securities available for sale | 6,461,000 | 6,315,000 | 6,471,000 | 7,596,000 |
| Securities held to maturity | 2,577,000 | 2,593,000 | 2,609,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,471,000 | 19,600,000 | 19,926,000 | 19,552,000 |
| Interest-bearing deposits | 16,845,000 | 16,663,000 | 16,770,000 | 16,307,000 |
| Noninterest-bearing deposits | 3,627,000 | 2,937,000 | 3,156,000 | 3,245,000 |
| Equity capital | 2,534,000 | 2,463,000 | 2,569,000 | 2,630,000 |
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 | 345,000 | 691,000 | 1,034,000 | 1,375,000 |
| Interest expense | 134,000 | 271,000 | 410,000 | 551,000 |
| Net interest income | 211,000 | 420,000 | 624,000 | 824,000 |
| Noninterest income | 45,000 | 112,000 | 194,000 | 264,000 |
| Noninterest expense | 227,000 | 446,000 | 671,000 | 894,000 |
| Provision for loan losses | 0 | 25,000 | 75,000 | 90,000 |
| Pretax income | 30,000 | 62,000 | 73,000 | 130,000 |
| Income tax | 1,000 | 7,000 | 8,000 | -13,000 |
| Net income | 29,000 | 55,000 | 65,000 | 143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,501,000 | 2,532,000 | 2,544,000 | 2,556,000 |
| Total capital | 2,634,000 | 2,679,000 | 2,719,000 | 2,710,000 |
| Risk-weighted assets | 12,576,000 | 12,333,000 | 12,452,000 | 12,333,000 |