Call reports 2005
PEOPLES SAVINGS BANK, THE — 2005
What PEOPLES SAVINGS BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 37,356,000 | 37,280,000 | 37,403,000 | 36,712,000 |
| Total loans | 22,530,000 | 22,007,000 | 22,958,000 | 22,430,000 |
| Allowance for loan losses | 557,000 | 438,000 | 436,000 | 437,000 |
| Securities available for sale | 11,439,000 | 11,532,000 | 11,606,000 | 10,854,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,480,000 | 32,270,000 | 32,337,000 | 32,215,000 |
| Interest-bearing deposits | 28,924,000 | 28,587,000 | 28,279,000 | 27,785,000 |
| Noninterest-bearing deposits | 3,556,000 | 3,683,000 | 4,058,000 | 4,430,000 |
| Equity capital | 4,796,000 | 4,935,000 | 4,970,000 | 4,456,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 567,000 | 1,151,000 | 1,759,000 | 2,372,000 |
| Interest expense | 141,000 | 287,000 | 433,000 | 578,000 |
| Net interest income | 426,000 | 864,000 | 1,326,000 | 1,794,000 |
| Noninterest income | 21,000 | 35,000 | 53,000 | 68,000 |
| Noninterest expense | 327,000 | 627,000 | 941,000 | 1,286,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 120,000 | 272,000 | 438,000 | 553,000 |
| Income tax | 32,000 | 73,000 | 120,000 | 150,000 |
| Net income | 88,000 | 199,000 | 318,000 | 403,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,914,000 | 4,911,000 | 5,031,000 | 4,565,000 |
| Total capital | 5,205,000 | 5,196,000 | 5,324,000 | 4,851,000 |
| Risk-weighted assets | 23,015,000 | 22,634,000 | 23,273,000 | 22,725,000 |
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