Call reports 2006
PEOPLES STATE BANK OF CHANDLERVILLE — 2006
What PEOPLES STATE BANK OF CHANDLERVILLE 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 | 41,228,000 | 41,849,000 | 41,876,000 | 40,658,000 |
| Total loans | 29,502,000 | 30,408,000 | 30,608,000 | 29,464,000 |
| Allowance for loan losses | 302,000 | 295,000 | 303,000 | 298,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,719,000 | 8,893,000 | 8,647,000 | 8,146,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,280,000 | 37,079,000 | 35,998,000 | 37,311,000 |
| Interest-bearing deposits | 34,920,000 | 34,693,000 | 33,537,000 | 34,618,000 |
| Noninterest-bearing deposits | 2,360,000 | 2,386,000 | 2,461,000 | 2,693,000 |
| Equity capital | 3,587,000 | 3,664,000 | 3,794,000 | 2,945,000 |
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 | 637,000 | 1,317,000 | 2,004,000 | 2,700,000 |
| Interest expense | 231,000 | 486,000 | 769,000 | 1,053,000 |
| Net interest income | 406,000 | 831,000 | 1,235,000 | 1,647,000 |
| Noninterest income | 83,000 | 202,000 | 317,000 | 419,000 |
| Noninterest expense | 391,000 | 813,000 | 1,157,000 | 2,055,000 |
| Provision for loan losses | 60,000 | 100,000 | 133,000 | 143,000 |
| Pretax income | 38,000 | 120,000 | 262,000 | -132,000 |
| Income tax | 39,000 | 44,000 | 49,000 | 54,000 |
| Net income | -1,000 | 76,000 | 213,000 | -186,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,587,000 | 3,664,000 | 3,794,000 | 2,945,000 |
| Total capital | 3,889,000 | 3,959,000 | 4,097,000 | 3,243,000 |
| Risk-weighted assets | 27,764,000 | 27,925,000 | 28,089,000 | 27,115,000 |