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 | 39,001,000 | 39,617,000 | 39,952,000 | 41,875,000 |
| Total loans | 17,421,000 | 19,813,000 | 20,017,000 | 20,190,000 |
| Allowance for loan losses | 625,000 | 625,000 | 625,000 | 625,000 |
| Securities available for sale | 15,906,000 | 15,935,000 | 16,251,000 | 16,699,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,463,000 | 36,136,000 | 36,074,000 | 38,065,000 |
| Interest-bearing deposits | 27,111,000 | 27,022,000 | 26,207,000 | 28,380,000 |
| Noninterest-bearing deposits | 8,352,000 | 9,114,000 | 9,867,000 | 9,685,000 |
| Equity capital | 3,381,000 | 3,311,000 | 3,681,000 | 3,625,000 |
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 | 522,000 | 1,087,000 | 1,682,000 | 2,300,000 |
| Interest expense | 120,000 | 270,000 | 426,000 | 591,000 |
| Net interest income | 402,000 | 817,000 | 1,256,000 | 1,709,000 |
| Noninterest income | 36,000 | 67,000 | 96,000 | 123,000 |
| Noninterest expense | 217,000 | 419,000 | 634,000 | 860,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 221,000 | 465,000 | 718,000 | 972,000 |
| Income tax | 16,000 | 34,000 | 53,000 | 66,000 |
| Net income | 205,000 | 431,000 | 665,000 | 906,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,667,000 | 3,802,000 | 3,832,000 | 3,773,000 |
| Total capital | 3,962,000 | 4,099,000 | 4,148,000 | 4,072,000 |
| Risk-weighted assets | 23,274,000 | 23,431,000 | 24,943,000 | 23,613,000 |