Call reports 2006
PEOPLES STATE BANK — 2006
What PEOPLES STATE BANK 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 | 57,285,000 | 57,813,000 | 55,806,000 | 59,128,000 |
| Total loans | 45,011,000 | 45,647,000 | 45,802,000 | 47,043,000 |
| Allowance for loan losses | 754,000 | 650,000 | 700,000 | 719,000 |
| Securities available for sale | 6,746,000 | 6,341,000 | 6,681,000 | 6,399,000 |
| Securities held to maturity | 40,000 | 40,000 | 40,000 | 40,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,950,000 | 48,436,000 | 46,200,000 | 49,476,000 |
| Interest-bearing deposits | 39,585,000 | 40,917,000 | 39,711,000 | 41,530,000 |
| Noninterest-bearing deposits | 8,365,000 | 7,519,000 | 6,489,000 | 7,946,000 |
| Equity capital | 9,032,000 | 9,036,000 | 9,266,000 | 9,376,000 |
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 | 962,000 | 2,024,000 | 3,070,000 | 4,161,000 |
| Interest expense | 310,000 | 666,000 | 1,036,000 | 1,443,000 |
| Net interest income | 652,000 | 1,358,000 | 2,034,000 | 2,718,000 |
| Noninterest income | 58,000 | 122,000 | 186,000 | 302,000 |
| Noninterest expense | 289,000 | 579,000 | 874,000 | 1,212,000 |
| Provision for loan losses | 0 | 50,000 | 100,000 | 150,000 |
| Pretax income | 421,000 | 851,000 | 1,246,000 | 1,658,000 |
| Income tax | 20,000 | 38,000 | 55,000 | 71,000 |
| Net income | 401,000 | 813,000 | 1,191,000 | 1,587,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,180,000 | 9,292,000 | 9,371,000 | 9,466,000 |
| Total capital | 9,752,000 | 9,876,000 | 9,953,000 | 10,082,000 |
| Risk-weighted assets | 45,539,000 | 46,673,000 | 46,411,000 | 49,158,000 |