Call reports 2007
PEARLAND STATE BANK — 2007
What PEARLAND 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 | 125,053,000 | 122,656,000 | 120,895,000 | 122,508,000 |
| Total loans | 37,604,000 | 36,617,000 | 36,323,000 | 34,872,000 |
| Allowance for loan losses | 432,000 | 250,000 | 257,000 | 300,000 |
| Securities available for sale | 68,992,000 | 73,062,000 | 74,333,000 | 77,077,000 |
| Securities held to maturity | 620,000 | 583,000 | 546,000 | 518,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,455,000 | 106,449,000 | 103,539,000 | 103,728,000 |
| Interest-bearing deposits | 68,728,000 | 70,927,000 | 69,375,000 | 69,492,000 |
| Noninterest-bearing deposits | 38,727,000 | 35,522,000 | 34,164,000 | 34,236,000 |
| Equity capital | 16,959,000 | 15,508,000 | 16,561,000 | 18,129,000 |
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 | 1,658,000 | 3,368,000 | 5,085,000 | 6,793,000 |
| Interest expense | 435,000 | 910,000 | 1,402,000 | 1,866,000 |
| Net interest income | 1,223,000 | 2,458,000 | 3,683,000 | 4,927,000 |
| Noninterest income | 265,000 | 567,000 | 815,000 | 1,080,000 |
| Noninterest expense | 705,000 | 1,375,000 | 2,002,000 | 2,630,000 |
| Provision for loan losses | 2,000 | 148,000 | 294,000 | 343,000 |
| Pretax income | 781,000 | 1,502,000 | 2,202,000 | 3,034,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 781,000 | 1,502,000 | 2,202,000 | 3,034,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,261,000 | 16,702,000 | 16,858,000 | 17,690,000 |
| Total capital | 17,693,000 | 16,952,000 | 17,115,000 | 17,990,000 |
| Risk-weighted assets | 55,795,000 | 58,195,000 | 55,173,000 | 55,146,000 |