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 | 281,640,000 | 287,372,000 | 295,339,000 | 306,492,000 |
| Total loans | 241,058,000 | 246,536,000 | 253,633,000 | 255,552,000 |
| Allowance for loan losses | 3,164,000 | 3,261,000 | 3,354,000 | 3,127,000 |
| Securities available for sale | 24,151,000 | 22,754,000 | 22,915,000 | 30,480,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 239,103,000 | 237,289,000 | 241,737,000 | 253,012,000 |
| Interest-bearing deposits | 219,750,000 | 217,999,000 | 223,399,000 | 233,420,000 |
| Noninterest-bearing deposits | 19,353,000 | 19,290,000 | 18,338,000 | 19,592,000 |
| Equity capital | 26,275,000 | 26,866,000 | 27,930,000 | 28,672,000 |
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 | 4,380,000 | 8,926,000 | 13,659,000 | 18,600,000 |
| Interest expense | 2,218,000 | 4,563,000 | 7,103,000 | 9,778,000 |
| Net interest income | 2,162,000 | 4,363,000 | 6,556,000 | 8,822,000 |
| Noninterest income | 326,000 | 649,000 | 979,000 | 1,313,000 |
| Noninterest expense | 1,186,000 | 2,344,000 | 3,559,000 | 4,936,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 1,197,000 | 2,458,000 | 3,661,000 | 4,779,000 |
| Income tax | -18,000 | -8,000 | 1,000 | 10,000 |
| Net income | 1,215,000 | 2,466,000 | 3,660,000 | 4,769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,647,000 | 27,414,000 | 28,123,000 | 28,784,000 |
| Total capital | 29,575,000 | 30,485,000 | 31,315,000 | 31,911,000 |
| Risk-weighted assets | 234,003,000 | 245,466,000 | 255,235,000 | 261,522,000 |