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 | 58,974,000 | 59,133,000 | 58,002,000 | 59,716,000 |
| Total loans | 45,758,000 | 44,194,000 | 42,653,000 | 43,752,000 |
| Allowance for loan losses | 719,000 | 759,000 | 760,000 | 785,000 |
| Securities available for sale | 7,031,000 | 8,118,000 | 8,968,000 | 10,948,000 |
| Securities held to maturity | 20,000 | 20,000 | 20,000 | 20,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,164,000 | 51,225,000 | 49,881,000 | 51,720,000 |
| Interest-bearing deposits | 44,503,000 | 45,234,000 | 43,343,000 | 44,076,000 |
| Noninterest-bearing deposits | 6,661,000 | 5,991,000 | 6,538,000 | 7,644,000 |
| Equity capital | 7,479,000 | 7,555,000 | 7,732,000 | 7,699,000 |
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 | 1,088,000 | 2,322,000 | 3,428,000 | 4,456,000 |
| Interest expense | 433,000 | 900,000 | 1,356,000 | 1,790,000 |
| Net interest income | 655,000 | 1,422,000 | 2,072,000 | 2,666,000 |
| Noninterest income | 63,000 | 136,000 | 209,000 | 337,000 |
| Noninterest expense | 313,000 | 631,000 | 952,000 | 1,297,000 |
| Provision for loan losses | 0 | 0 | 0 | 175,000 |
| Pretax income | 405,000 | 927,000 | 1,329,000 | 1,531,000 |
| Income tax | 19,000 | 41,000 | 60,000 | 65,000 |
| Net income | 386,000 | 886,000 | 1,269,000 | 1,466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,552,000 | 7,753,000 | 7,835,000 | 7,733,000 |
| Total capital | 8,141,000 | 8,319,000 | 8,382,000 | 8,311,000 |
| Risk-weighted assets | 46,953,000 | 45,094,000 | 43,521,000 | 46,020,000 |