Call reports 2005
PSB BANK — 2005
What PSB BANK 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 | 131,321,000 | 135,336,000 | 142,185,000 | 148,350,000 |
| Total loans | 101,426,000 | 107,305,000 | 113,814,000 | 115,968,000 |
| Allowance for loan losses | 1,150,000 | 1,152,000 | 1,148,000 | 1,194,000 |
| Securities available for sale | 23,087,000 | 21,942,000 | 21,323,000 | 22,499,000 |
| Securities held to maturity | 130,000 | 130,000 | 130,000 | 130,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,088,000 | 118,411,000 | 118,112,000 | 122,518,000 |
| Interest-bearing deposits | 99,896,000 | 102,653,000 | 102,172,000 | 104,527,000 |
| Noninterest-bearing deposits | 15,192,000 | 15,758,000 | 15,940,000 | 17,991,000 |
| Equity capital | 10,961,000 | 11,373,000 | 11,546,000 | 11,486,000 |
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 | 1,750,000 | 3,669,000 | 5,716,000 | 7,841,000 |
| Interest expense | 686,000 | 1,416,000 | 2,218,000 | 3,077,000 |
| Net interest income | 1,064,000 | 2,253,000 | 3,498,000 | 4,764,000 |
| Noninterest income | 148,000 | 343,000 | 525,000 | 691,000 |
| Noninterest expense | 916,000 | 1,769,000 | 2,877,000 | 3,869,000 |
| Provision for loan losses | 250,000 | 250,000 | 250,000 | 305,000 |
| Pretax income | 69,000 | 602,000 | 922,000 | 1,307,000 |
| Income tax | 22,000 | 257,000 | 308,000 | 422,000 |
| Net income | 47,000 | 345,000 | 614,000 | 885,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,190,000 | 11,488,000 | 11,757,000 | 11,778,000 |
| Total capital | 12,286,000 | 12,640,000 | 12,905,000 | 12,972,000 |
| Risk-weighted assets | 87,634,000 | 92,550,000 | 95,617,000 | 102,002,000 |
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