Call reports 2006
PEOPLES SOUTHERN BANK — 2006
What PEOPLES SOUTHERN 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 | 123,915,000 | 122,068,000 | 122,296,000 | 120,904,000 |
| Total loans | 46,786,000 | 49,398,000 | 51,034,000 | 53,353,000 |
| Allowance for loan losses | 627,000 | 677,000 | 683,000 | 682,000 |
| Securities available for sale | 60,274,000 | 58,271,000 | 55,886,000 | 53,335,000 |
| Securities held to maturity | 384,000 | 327,000 | 122,000 | 118,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,404,000 | 102,018,000 | 101,479,000 | 99,733,000 |
| Interest-bearing deposits | 81,056,000 | 75,892,000 | 75,284,000 | 74,395,000 |
| Noninterest-bearing deposits | 22,348,000 | 26,126,000 | 26,194,000 | 25,338,000 |
| Equity capital | 20,208,000 | 19,801,000 | 20,522,000 | 20,841,000 |
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 | 1,474,000 | 3,035,000 | 4,661,000 | 6,282,000 |
| Interest expense | 399,000 | 859,000 | 1,340,000 | 1,824,000 |
| Net interest income | 1,075,000 | 2,176,000 | 3,321,000 | 4,458,000 |
| Noninterest income | 331,000 | 658,000 | 978,000 | 1,275,000 |
| Noninterest expense | 870,000 | 1,749,000 | 2,628,000 | 3,536,000 |
| Provision for loan losses | 14,000 | 28,000 | 35,000 | 35,000 |
| Pretax income | 526,000 | 1,061,000 | 1,640,000 | 2,166,000 |
| Income tax | 26,000 | 51,000 | 77,000 | 101,000 |
| Net income | 500,000 | 1,010,000 | 1,563,000 | 2,065,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,127,000 | 21,062,000 | 21,276,000 | 21,360,000 |
| Total capital | 21,754,000 | 21,739,000 | 21,959,000 | 22,042,000 |
| Risk-weighted assets | 68,876,000 | 69,322,000 | 69,784,000 | 71,307,000 |