Call reports 2006
PEOPLES STATE BANK — 2006
What PEOPLES 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 | 15,140,000 | 13,673,000 | 13,604,000 | 14,895,000 |
| Total loans | 13,765,000 | 11,122,000 | 11,009,000 | 11,723,000 |
| Allowance for loan losses | 211,000 | 215,000 | 205,000 | 233,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 325,000 | 325,000 | 325,000 | 325,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,005,000 | 9,788,000 | 9,540,000 | 10,854,000 |
| Interest-bearing deposits | 7,635,000 | 7,615,000 | 7,327,000 | 7,294,000 |
| Noninterest-bearing deposits | 2,370,000 | 2,172,000 | 2,213,000 | 3,560,000 |
| Equity capital | 3,500,000 | 3,542,000 | 3,704,000 | 3,720,000 |
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 | 346,000 | 672,000 | 1,003,000 | 1,347,000 |
| Interest expense | 45,000 | 90,000 | 126,000 | 167,000 |
| Net interest income | 301,000 | 582,000 | 877,000 | 1,180,000 |
| Noninterest income | 62,000 | 132,000 | 182,000 | 245,000 |
| Noninterest expense | 146,000 | 285,000 | 457,000 | 612,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | 40,000 |
| Pretax income | 206,000 | 419,000 | 592,000 | 773,000 |
| Income tax | 7,000 | 18,000 | 29,000 | 44,000 |
| Net income | 199,000 | 401,000 | 563,000 | 729,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,500,000 | 3,542,000 | 3,704,000 | 3,720,000 |
| Total capital | 3,672,000 | 3,680,000 | 3,842,000 | 3,867,000 |
| Risk-weighted assets | 13,079,000 | 10,473,000 | 10,275,000 | 11,033,000 |