Call reports 2007
PEOPLES SOUTHERN BANK — 2007
What PEOPLES SOUTHERN 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 | 127,380,000 | 133,771,000 | 137,514,000 | 140,400,000 |
| Total loans | 57,219,000 | 56,782,000 | 59,925,000 | 63,228,000 |
| Allowance for loan losses | 728,000 | 788,000 | 816,000 | 884,000 |
| Securities available for sale | 48,475,000 | 53,737,000 | 54,842,000 | 54,442,000 |
| Securities held to maturity | 39,000 | 34,000 | 30,000 | 25,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,789,000 | 112,823,000 | 116,887,000 | 119,661,000 |
| Interest-bearing deposits | 78,194,000 | 85,390,000 | 89,185,000 | 90,678,000 |
| Noninterest-bearing deposits | 27,595,000 | 27,433,000 | 27,702,000 | 28,983,000 |
| Equity capital | 21,208,000 | 20,640,000 | 20,277,000 | 20,327,000 |
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 | 1,712,000 | 3,575,000 | 5,520,000 | 7,463,000 |
| Interest expense | 526,000 | 1,119,000 | 1,780,000 | 2,427,000 |
| Net interest income | 1,186,000 | 2,456,000 | 3,740,000 | 5,036,000 |
| Noninterest income | 357,000 | 751,000 | 1,145,000 | 1,541,000 |
| Noninterest expense | 885,000 | 1,767,000 | 2,707,000 | 3,684,000 |
| Provision for loan losses | 62,000 | 144,000 | 207,000 | 362,000 |
| Pretax income | 596,000 | 1,314,000 | 1,989,000 | 2,569,000 |
| Income tax | 28,000 | 53,000 | 79,000 | 142,000 |
| Net income | 568,000 | 1,261,000 | 1,910,000 | 2,427,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,587,000 | 21,237,000 | 20,411,000 | 20,235,000 |
| Total capital | 22,315,000 | 22,025,000 | 21,227,000 | 21,119,000 |
| Risk-weighted assets | 74,338,000 | 76,080,000 | 78,327,000 | 81,255,000 |