Call reports 2006
PEOPLES BANK OF COFFEE COUNTY, THE — 2006
What PEOPLES BANK OF COFFEE COUNTY, 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 | 133,100,000 | 136,889,000 | 149,416,000 | 164,917,000 |
| Total loans | 79,978,000 | 90,279,000 | 99,825,000 | 111,891,000 |
| Allowance for loan losses | 2,329,000 | 2,453,000 | 2,660,000 | 2,632,000 |
| Securities available for sale | 31,717,000 | 32,340,000 | 32,519,000 | 31,712,000 |
| Securities held to maturity | 848,000 | 855,000 | 863,000 | 870,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,168,000 | 116,066,000 | 124,956,000 | 137,584,000 |
| Interest-bearing deposits | 92,522,000 | 101,243,000 | 108,115,000 | 121,440,000 |
| Noninterest-bearing deposits | 19,646,000 | 14,823,000 | 16,841,000 | 16,144,000 |
| Equity capital | 12,917,000 | 12,801,000 | 13,213,000 | 13,294,000 |
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 | 1,927,000 | 3,959,000 | 6,287,000 | 8,860,000 |
| Interest expense | 787,000 | 1,747,000 | 2,889,000 | 4,271,000 |
| Net interest income | 1,140,000 | 2,212,000 | 3,398,000 | 4,589,000 |
| Noninterest income | 153,000 | 351,000 | 560,000 | 789,000 |
| Noninterest expense | 733,000 | 1,490,000 | 2,240,000 | 3,159,000 |
| Provision for loan losses | 120,000 | 240,000 | 440,000 | 680,000 |
| Pretax income | 440,000 | 833,000 | 1,278,000 | 1,540,000 |
| Income tax | 114,000 | 229,000 | 362,000 | 373,000 |
| Net income | 326,000 | 604,000 | 916,000 | 1,167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,228,000 | 10,312,000 | 10,430,000 | 10,486,000 |
| Total capital | 11,344,000 | 11,546,000 | 11,786,000 | 11,978,000 |
| Risk-weighted assets | 87,960,000 | 97,363,000 | 106,966,000 | 118,074,000 |