Call reports 2006
PEOPLES BANK OF THE SOUTH — 2006
What PEOPLES BANK OF THE SOUTH 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 | 118,334,000 | 128,398,000 | 128,547,000 | 130,548,000 |
| Total loans | 91,576,000 | 97,796,000 | 96,769,000 | 98,119,000 |
| Allowance for loan losses | 937,000 | 937,000 | 919,000 | 888,000 |
| Securities available for sale | 19,594,000 | 18,759,000 | 18,856,000 | 17,593,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,580,000 | 106,227,000 | 109,326,000 | 111,836,000 |
| Interest-bearing deposits | 81,184,000 | 86,449,000 | 88,967,000 | 91,253,000 |
| Noninterest-bearing deposits | 18,396,000 | 19,778,000 | 20,359,000 | 20,583,000 |
| Equity capital | 17,158,000 | 17,179,000 | 17,811,000 | 17,572,000 |
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 | 1,924,000 | 4,017,000 | 6,241,000 | 8,484,000 |
| Interest expense | 560,000 | 1,262,000 | 2,066,000 | 2,923,000 |
| Net interest income | 1,364,000 | 2,755,000 | 4,175,000 | 5,561,000 |
| Noninterest income | 176,000 | 377,000 | 711,000 | 887,000 |
| Noninterest expense | 1,074,000 | 2,161,000 | 3,324,000 | 4,434,000 |
| Provision for loan losses | 30,000 | 35,000 | 35,000 | 35,000 |
| Pretax income | 436,000 | 937,000 | 1,530,000 | 1,984,000 |
| Income tax | 28,000 | 62,000 | 100,000 | 325,000 |
| Net income | 408,000 | 875,000 | 1,430,000 | 1,659,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,233,000 | 17,518,000 | 17,847,000 | 17,540,000 |
| Total capital | 18,170,000 | 18,455,000 | 18,766,000 | 18,428,000 |
| Risk-weighted assets | 86,073,000 | 92,121,000 | 91,691,000 | 92,022,000 |