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 | 73,603,000 | 75,334,000 | 78,122,000 | 81,091,000 |
| Total loans | 53,656,000 | 59,652,000 | 60,637,000 | 63,340,000 |
| Allowance for loan losses | 575,000 | 600,000 | 631,000 | 575,000 |
| Securities available for sale | 5,063,000 | 5,128,000 | 6,044,000 | 7,120,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,035,000 | 59,683,000 | 61,959,000 | 64,999,000 |
| Interest-bearing deposits | 49,792,000 | 51,548,000 | 53,486,000 | 56,262,000 |
| Noninterest-bearing deposits | 9,243,000 | 8,135,000 | 8,473,000 | 8,737,000 |
| Equity capital | 5,316,000 | 6,399,000 | 6,625,000 | 6,745,000 |
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 | 1,331,000 | 2,861,000 | 4,459,000 | 6,103,000 |
| Interest expense | 545,000 | 1,170,000 | 1,850,000 | 2,572,000 |
| Net interest income | 786,000 | 1,691,000 | 2,609,000 | 3,531,000 |
| Noninterest income | 120,000 | 295,000 | 450,000 | 591,000 |
| Noninterest expense | 655,000 | 1,354,000 | 2,080,000 | 2,767,000 |
| Provision for loan losses | 32,000 | 63,000 | 95,000 | 126,000 |
| Pretax income | 219,000 | 569,000 | 884,000 | 1,229,000 |
| Income tax | 48,000 | 155,000 | 264,000 | 386,000 |
| Net income | 171,000 | 414,000 | 620,000 | 843,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,320,000 | 6,413,000 | 6,619,000 | 6,742,000 |
| Total capital | 5,895,000 | 7,013,000 | 7,250,000 | 7,317,000 |
| Risk-weighted assets | 56,547,000 | 61,567,000 | 63,413,000 | 66,290,000 |