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 | 28,577,000 | 28,241,000 | 26,666,000 | 26,158,000 |
| Total loans | 13,160,000 | 12,460,000 | 12,788,000 | 13,609,000 |
| Allowance for loan losses | 262,000 | 240,000 | 224,000 | 247,000 |
| Securities available for sale | 3,719,000 | 3,651,000 | 3,646,000 | 3,549,000 |
| Securities held to maturity | 667,000 | 666,000 | 665,000 | 664,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,427,000 | 22,941,000 | 21,099,000 | 20,655,000 |
| Interest-bearing deposits | 18,690,000 | 18,900,000 | 17,128,000 | 16,399,000 |
| Noninterest-bearing deposits | 4,737,000 | 4,041,000 | 3,971,000 | 4,256,000 |
| Equity capital | 4,880,000 | 4,942,000 | 5,055,000 | 5,102,000 |
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 | 536,000 | 1,072,000 | 1,590,000 | 2,081,000 |
| Interest expense | 198,000 | 395,000 | 580,000 | 749,000 |
| Net interest income | 338,000 | 677,000 | 1,010,000 | 1,332,000 |
| Noninterest income | 48,000 | 70,000 | 115,000 | 147,000 |
| Noninterest expense | 329,000 | 632,000 | 929,000 | 1,213,000 |
| Provision for loan losses | -44,000 | -93,000 | -138,000 | -138,000 |
| Pretax income | 101,000 | 208,000 | 334,000 | 402,000 |
| Income tax | 31,000 | 64,000 | 108,000 | 148,000 |
| Net income | 70,000 | 144,000 | 226,000 | 254,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,705,000 | 2,786,000 | 2,875,000 | 2,912,000 |
| Total capital | 2,887,000 | 2,957,000 | 3,044,000 | 3,091,000 |
| Risk-weighted assets | 14,441,000 | 13,624,000 | 13,477,000 | 14,264,000 |