Call reports 2007
PEOPLES BANK OF THE SOUTH — 2007
What PEOPLES BANK OF THE SOUTH 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 | 133,294,000 | 135,269,000 | 135,823,000 | 138,695,000 |
| Total loans | 97,260,000 | 102,455,000 | 109,663,000 | 113,798,000 |
| Allowance for loan losses | 883,000 | 893,000 | 894,000 | 916,000 |
| Securities available for sale | 19,255,000 | 17,784,000 | 17,715,000 | 13,728,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,836,000 | 116,327,000 | 115,626,000 | 118,592,000 |
| Interest-bearing deposits | 93,516,000 | 94,907,000 | 94,436,000 | 95,662,000 |
| Noninterest-bearing deposits | 20,320,000 | 21,420,000 | 21,190,000 | 22,930,000 |
| Equity capital | 17,861,000 | 17,754,000 | 18,245,000 | 18,564,000 |
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 | 2,244,000 | 4,647,000 | 7,087,000 | 9,586,000 |
| Interest expense | 844,000 | 1,789,000 | 2,727,000 | 3,654,000 |
| Net interest income | 1,400,000 | 2,858,000 | 4,360,000 | 5,932,000 |
| Noninterest income | 181,000 | 353,000 | 624,000 | 893,000 |
| Noninterest expense | 1,059,000 | 2,206,000 | 3,408,000 | 4,691,000 |
| Provision for loan losses | 12,000 | 30,000 | 48,000 | 66,000 |
| Pretax income | 510,000 | 975,000 | 1,528,000 | 2,068,000 |
| Income tax | 33,000 | 64,000 | 100,000 | 109,000 |
| Net income | 477,000 | 911,000 | 1,428,000 | 1,959,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,810,000 | 17,956,000 | 18,186,000 | 18,428,000 |
| Total capital | 18,692,000 | 18,849,000 | 19,080,000 | 19,344,000 |
| Risk-weighted assets | 92,371,000 | 97,345,000 | 101,842,000 | 105,103,000 |