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 | 32,570,000 | 34,330,000 | 26,957,000 | 32,687,000 |
| Total loans | 23,870,000 | 23,692,000 | 17,636,000 | 15,154,000 |
| Allowance for loan losses | 819,000 | 873,000 | 849,000 | 263,000 |
| Securities available for sale | 4,368,000 | 4,302,000 | 4,129,000 | 3,929,000 |
| Securities held to maturity | 1,046,000 | 1,045,000 | 1,044,000 | 1,074,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,851,000 | 31,550,000 | 24,118,000 | 27,616,000 |
| Interest-bearing deposits | 23,126,000 | 25,958,000 | 20,175,000 | 19,226,000 |
| Noninterest-bearing deposits | 6,725,000 | 5,592,000 | 3,943,000 | 8,390,000 |
| Equity capital | 2,341,000 | 2,361,000 | 2,459,000 | 4,798,000 |
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 | 534,000 | 1,120,000 | 1,667,000 | 2,185,000 |
| Interest expense | 188,000 | 431,000 | 677,000 | 884,000 |
| Net interest income | 346,000 | 689,000 | 990,000 | 1,301,000 |
| Noninterest income | 45,000 | 97,000 | 141,000 | 444,000 |
| Noninterest expense | 379,000 | 731,000 | 1,076,000 | 1,502,000 |
| Provision for loan losses | -1,000 | -1,000 | -79,000 | -48,000 |
| Pretax income | 13,000 | 56,000 | 134,000 | 291,000 |
| Income tax | 1,000 | 11,000 | 34,000 | 123,000 |
| Net income | 12,000 | 45,000 | 100,000 | 168,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,433,000 | 2,466,000 | 2,522,000 | 2,627,000 |
| Total capital | 2,717,000 | 2,751,000 | 2,749,000 | 2,848,000 |
| Risk-weighted assets | 22,173,000 | 22,245,000 | 17,515,000 | 17,599,000 |