Call reports 2007
PEOPLE'S COMMUNITY STATE BANK — 2007
What PEOPLE'S COMMUNITY 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 | 104,926,000 | 106,715,000 | 106,579,000 | 109,161,000 |
| Total loans | 77,733,000 | 83,529,000 | 84,626,000 | 88,040,000 |
| Allowance for loan losses | 1,310,000 | 1,354,000 | 1,388,000 | 1,425,000 |
| Securities available for sale | 9,575,000 | 8,983,000 | 8,610,000 | 9,150,000 |
| Securities held to maturity | 4,788,000 | 4,788,000 | 4,788,000 | 4,787,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,701,000 | 94,934,000 | 93,899,000 | 95,819,000 |
| Interest-bearing deposits | 83,292,000 | 85,858,000 | 85,778,000 | 87,123,000 |
| Noninterest-bearing deposits | 9,409,000 | 9,076,000 | 8,121,000 | 8,696,000 |
| Equity capital | 11,794,000 | 11,286,000 | 12,107,000 | 12,878,000 |
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 | 1,829,000 | 3,772,000 | 5,784,000 | 7,823,000 |
| Interest expense | 683,000 | 1,439,000 | 2,237,000 | 3,032,000 |
| Net interest income | 1,146,000 | 2,333,000 | 3,547,000 | 4,791,000 |
| Noninterest income | 283,000 | 586,000 | 873,000 | 1,186,000 |
| Noninterest expense | 757,000 | 1,514,000 | 2,270,000 | 3,050,000 |
| Provision for loan losses | 46,000 | 95,000 | 146,000 | 196,000 |
| Pretax income | 626,000 | 1,310,000 | 2,004,000 | 2,731,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 626,000 | 1,310,000 | 2,004,000 | 2,731,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,920,000 | 10,504,000 | 11,198,000 | 11,925,000 |
| Total capital | 11,790,000 | 11,401,000 | 12,107,000 | 12,865,000 |
| Risk-weighted assets | 69,143,000 | 71,288,000 | 72,260,000 | 74,750,000 |