Call reports 2006
PEOPLE'S COMMUNITY STATE BANK — 2006
What PEOPLE'S COMMUNITY STATE BANK 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 | 88,730,000 | 94,315,000 | 98,335,000 | 98,394,000 |
| Total loans | 68,798,000 | 69,288,000 | 74,822,000 | 76,130,000 |
| Allowance for loan losses | 1,156,000 | 1,207,000 | 1,234,000 | 1,264,000 |
| Securities available for sale | 9,593,000 | 9,498,000 | 9,680,000 | 9,961,000 |
| Securities held to maturity | 4,603,000 | 4,603,000 | 4,601,000 | 4,601,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,756,000 | 84,176,000 | 87,365,000 | 86,860,000 |
| Interest-bearing deposits | 70,941,000 | 76,172,000 | 79,394,000 | 78,322,000 |
| Noninterest-bearing deposits | 6,815,000 | 8,004,000 | 7,971,000 | 8,538,000 |
| Equity capital | 10,172,000 | 9,736,000 | 10,467,000 | 11,147,000 |
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 | 1,446,000 | 3,012,000 | 4,684,000 | 6,486,000 |
| Interest expense | 503,000 | 1,075,000 | 1,706,000 | 2,386,000 |
| Net interest income | 943,000 | 1,937,000 | 2,978,000 | 4,100,000 |
| Noninterest income | 240,000 | 519,000 | 827,000 | 1,105,000 |
| Noninterest expense | 652,000 | 1,319,000 | 2,070,000 | 2,772,000 |
| Provision for loan losses | 43,000 | 90,000 | 138,000 | 186,000 |
| Pretax income | 488,000 | 1,047,000 | 1,597,000 | 2,247,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 488,000 | 1,047,000 | 1,597,000 | 2,247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,529,000 | 9,594,000 | 9,644,000 | 10,294,000 |
| Total capital | 10,299,000 | 10,380,000 | 10,478,000 | 11,138,000 |
| Risk-weighted assets | 61,216,000 | 62,488,000 | 66,323,000 | 67,104,000 |