Call reports 2007
PEOPLES NATIONAL BANK, THE — 2007
What PEOPLES NATIONAL BANK, THE 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 | 297,660,000 | 315,371,000 | 327,454,000 | 346,509,000 |
| Total loans | 227,257,000 | 240,184,000 | 254,319,000 | 273,633,000 |
| Allowance for loan losses | 2,351,000 | 2,196,000 | 2,328,000 | 2,646,000 |
| Securities available for sale | 40,146,000 | 37,431,000 | 37,964,000 | 39,140,000 |
| Securities held to maturity | 7,265,000 | 7,153,000 | 7,141,000 | 7,131,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,587,000 | 244,557,000 | 246,420,000 | 247,520,000 |
| Interest-bearing deposits | 231,670,000 | 230,029,000 | 232,802,000 | 223,797,000 |
| Noninterest-bearing deposits | 13,917,000 | 14,528,000 | 13,618,000 | 23,723,000 |
| Equity capital | 27,306,000 | 27,131,000 | 28,185,000 | 28,843,000 |
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 | 5,157,000 | 10,621,000 | 16,284,000 | 22,056,000 |
| Interest expense | 2,111,000 | 4,423,000 | 6,953,000 | 9,618,000 |
| Net interest income | 3,046,000 | 6,198,000 | 9,331,000 | 12,438,000 |
| Noninterest income | 786,000 | 1,433,000 | 2,086,000 | 2,753,000 |
| Noninterest expense | 2,284,000 | 4,652,000 | 7,042,000 | 9,657,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 900,000 |
| Pretax income | 1,398,000 | 2,679,000 | 3,925,000 | 4,634,000 |
| Income tax | 432,000 | 823,000 | 1,203,000 | 1,390,000 |
| Net income | 966,000 | 1,856,000 | 2,722,000 | 3,244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,101,000 | 27,655,000 | 28,185,000 | 28,371,000 |
| Total capital | 29,572,000 | 29,965,000 | 30,619,000 | 31,146,000 |
| Risk-weighted assets | 246,879,000 | 259,366,000 | 277,153,000 | 292,743,000 |