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 | 41,196,000 | 43,194,000 | 44,775,000 | 52,456,000 |
| Total loans | 19,571,000 | 22,052,000 | 21,813,000 | 23,262,000 |
| Allowance for loan losses | 625,000 | 625,000 | 624,000 | 624,000 |
| Securities available for sale | 17,093,000 | 16,395,000 | 18,279,000 | 20,788,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,197,000 | 37,683,000 | 40,550,000 | 48,080,000 |
| Interest-bearing deposits | 28,900,000 | 28,245,000 | 24,139,000 | 33,931,000 |
| Noninterest-bearing deposits | 8,297,000 | 9,438,000 | 16,411,000 | 14,149,000 |
| Equity capital | 3,788,000 | 3,650,000 | 3,995,000 | 4,158,000 |
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 | 602,000 | 1,231,000 | 1,916,000 | 2,643,000 |
| Interest expense | 192,000 | 405,000 | 645,000 | 884,000 |
| Net interest income | 410,000 | 826,000 | 1,271,000 | 1,759,000 |
| Noninterest income | 79,000 | 107,000 | 135,000 | 164,000 |
| Noninterest expense | 211,000 | 441,000 | 631,000 | 851,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 278,000 | 492,000 | 775,000 | 1,072,000 |
| Income tax | 30,000 | 45,000 | 66,000 | 77,000 |
| Net income | 248,000 | 447,000 | 709,000 | 995,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,896,000 | 3,970,000 | 4,107,000 | 4,093,000 |
| Total capital | 4,194,000 | 4,301,000 | 4,430,000 | 4,464,000 |
| Risk-weighted assets | 23,508,000 | 26,165,000 | 25,540,000 | 29,446,000 |