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 | 313,789,000 | 316,323,000 | 317,280,000 | 319,444,000 |
| Total loans | 263,174,000 | 265,228,000 | 264,113,000 | 266,305,000 |
| Allowance for loan losses | 3,249,000 | 3,351,000 | 3,417,000 | 3,463,000 |
| Securities available for sale | 32,345,000 | 32,396,000 | 34,007,000 | 31,136,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 259,400,000 | 257,349,000 | 255,725,000 | 250,916,000 |
| Interest-bearing deposits | 241,807,000 | 237,793,000 | 235,291,000 | 227,343,000 |
| Noninterest-bearing deposits | 17,593,000 | 19,556,000 | 20,434,000 | 23,573,000 |
| Equity capital | 29,288,000 | 29,423,000 | 30,566,000 | 31,427,000 |
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 | 5,177,000 | 10,492,000 | 15,785,000 | 21,128,000 |
| Interest expense | 2,871,000 | 5,789,000 | 8,730,000 | 11,435,000 |
| Net interest income | 2,306,000 | 4,703,000 | 7,055,000 | 9,693,000 |
| Noninterest income | 345,000 | 697,000 | 1,064,000 | 1,427,000 |
| Noninterest expense | 1,354,000 | 2,760,000 | 4,173,000 | 5,836,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 1,185,000 | 2,417,000 | 3,618,000 | 4,851,000 |
| Income tax | 18,000 | 19,000 | 28,000 | 38,000 |
| Net income | 1,167,000 | 2,398,000 | 3,590,000 | 4,813,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,309,000 | 30,092,000 | 30,807,000 | 31,582,000 |
| Total capital | 32,558,000 | 33,313,000 | 34,025,000 | 34,778,000 |
| Risk-weighted assets | 268,628,000 | 257,643,000 | 257,221,000 | 255,438,000 |