Call reports 2007
PEOPLES BANK OF COFFEE COUNTY, THE — 2007
What PEOPLES BANK OF COFFEE COUNTY, THE 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 | 192,203,000 | 201,351,000 | 202,307,000 | 197,452,000 |
| Total loans | 118,671,000 | 130,569,000 | 129,317,000 | 131,145,000 |
| Allowance for loan losses | 2,311,000 | 2,618,000 | 2,093,000 | 2,327,000 |
| Securities available for sale | 39,513,000 | 44,410,000 | 53,895,000 | 47,128,000 |
| Securities held to maturity | 878,000 | 886,000 | 893,000 | 901,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,661,000 | 170,641,000 | 164,777,000 | 161,381,000 |
| Interest-bearing deposits | 139,761,000 | 153,738,000 | 146,080,000 | 145,319,000 |
| Noninterest-bearing deposits | 21,900,000 | 16,903,000 | 18,697,000 | 16,062,000 |
| Equity capital | 17,329,000 | 17,176,000 | 17,889,000 | 18,204,000 |
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 | 2,828,000 | 6,247,000 | 9,748,000 | 13,141,000 |
| Interest expense | 1,650,000 | 3,495,000 | 5,444,000 | 7,326,000 |
| Net interest income | 1,178,000 | 2,752,000 | 4,304,000 | 5,815,000 |
| Noninterest income | 211,000 | 436,000 | 683,000 | 912,000 |
| Noninterest expense | 836,000 | 1,762,000 | 2,605,000 | 3,485,000 |
| Provision for loan losses | 310,000 | 610,000 | 910,000 | 1,210,000 |
| Pretax income | 244,000 | 817,000 | 1,473,000 | 2,034,000 |
| Income tax | 30,000 | 198,000 | 376,000 | 572,000 |
| Net income | 214,000 | 619,000 | 1,097,000 | 1,462,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,509,000 | 14,618,000 | 15,096,000 | 15,201,000 |
| Total capital | 16,136,000 | 16,426,000 | 16,881,000 | 16,983,000 |
| Risk-weighted assets | 129,351,000 | 143,753,000 | 142,491,000 | 141,892,000 |