Call reports 2007
PEOPLES BANK OF ALABAMA — 2007
What PEOPLES BANK OF ALABAMA 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 | 437,326,000 | 436,687,000 | 459,249,000 | 476,825,000 |
| Total loans | 251,688,000 | 261,490,000 | 277,447,000 | 294,330,000 |
| Allowance for loan losses | 2,640,000 | 2,658,000 | 3,062,000 | 3,155,000 |
| Securities available for sale | 119,938,000 | 114,338,000 | 113,391,000 | 112,153,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 329,535,000 | 327,427,000 | 353,972,000 | 359,114,000 |
| Interest-bearing deposits | 284,149,000 | 282,230,000 | 305,780,000 | 318,961,000 |
| Noninterest-bearing deposits | 45,386,000 | 45,197,000 | 48,192,000 | 40,153,000 |
| Equity capital | 48,763,000 | 48,510,000 | 49,788,000 | 52,158,000 |
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 | 6,284,000 | 12,720,000 | 19,603,000 | 26,631,000 |
| Interest expense | 2,666,000 | 5,319,000 | 8,039,000 | 10,832,000 |
| Net interest income | 3,618,000 | 7,401,000 | 11,564,000 | 15,799,000 |
| Noninterest income | 2,531,000 | 5,726,000 | 8,609,000 | 11,600,000 |
| Noninterest expense | 3,922,000 | 8,297,000 | 12,952,000 | 17,500,000 |
| Provision for loan losses | 132,000 | 175,000 | 683,000 | 927,000 |
| Pretax income | 2,095,000 | 4,655,000 | 6,538,000 | 8,972,000 |
| Income tax | 649,000 | 1,411,000 | 2,116,000 | 2,714,000 |
| Net income | 1,446,000 | 3,244,000 | 4,422,000 | 6,258,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,445,000 | 45,370,000 | 45,998,000 | 47,174,000 |
| Total capital | 47,085,000 | 48,028,000 | 49,060,000 | 50,329,000 |
| Risk-weighted assets | 295,818,000 | 302,634,000 | 321,846,000 | 335,190,000 |