Call reports 2007
PEOPLES STATE BANK — 2007
What PEOPLES 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 | 15,510,000 | 14,581,000 | 14,208,000 | 14,869,000 |
| Total loans | 12,350,000 | 10,963,000 | 10,937,000 | 11,677,000 |
| Allowance for loan losses | 245,000 | 271,000 | 276,000 | 273,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,325,000 | 2,255,000 | 2,195,000 | 2,095,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,417,000 | 9,743,000 | 8,855,000 | 9,406,000 |
| Interest-bearing deposits | 7,019,000 | 7,114,000 | 6,572,000 | 6,774,000 |
| Noninterest-bearing deposits | 3,398,000 | 2,629,000 | 2,283,000 | 2,632,000 |
| Equity capital | 3,728,000 | 3,896,000 | 3,923,000 | 3,866,000 |
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 | 350,000 | 703,000 | 1,027,000 | 1,384,000 |
| Interest expense | 42,000 | 89,000 | 128,000 | 182,000 |
| Net interest income | 308,000 | 614,000 | 899,000 | 1,202,000 |
| Noninterest income | 49,000 | 120,000 | 199,000 | 299,000 |
| Noninterest expense | 179,000 | 363,000 | 535,000 | 732,000 |
| Provision for loan losses | 10,000 | 35,000 | 40,000 | 40,000 |
| Pretax income | 168,000 | 336,000 | 523,000 | 729,000 |
| Income tax | 10,000 | 10,000 | 20,000 | 33,000 |
| Net income | 158,000 | 326,000 | 503,000 | 696,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,728,000 | 3,896,000 | 3,923,000 | 3,866,000 |
| Total capital | 3,882,000 | 4,033,000 | 4,060,000 | 4,012,000 |
| Risk-weighted assets | 11,779,000 | 10,523,000 | 10,405,000 | 11,173,000 |