Call reports 2004
PERSONS BANKING COMPANY — 2004
What PERSONS BANKING COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 66,831,000 | 69,158,000 | 71,525,000 | 75,509,000 |
| Total loans | 46,615,000 | 48,069,000 | 50,348,000 | 56,136,000 |
| Allowance for loan losses | 674,000 | 709,000 | 739,000 | 842,000 |
| Securities available for sale | 10,701,000 | 10,393,000 | 9,376,000 | 10,200,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,618,000 | 53,463,000 | 56,020,000 | 59,187,000 |
| Interest-bearing deposits | 40,027,000 | 40,693,000 | 42,939,000 | 46,686,000 |
| Noninterest-bearing deposits | 12,591,000 | 12,770,000 | 13,080,000 | 12,501,000 |
| Equity capital | 8,545,000 | 8,487,000 | 8,655,000 | 8,848,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 821,000 | 1,664,000 | 2,556,000 | 3,556,000 |
| Interest expense | 157,000 | 321,000 | 496,000 | 700,000 |
| Net interest income | 664,000 | 1,343,000 | 2,060,000 | 2,856,000 |
| Noninterest income | 110,000 | 254,000 | 386,000 | 532,000 |
| Noninterest expense | 471,000 | 977,000 | 1,496,000 | 2,079,000 |
| Provision for loan losses | 10,000 | 40,000 | 70,000 | 172,000 |
| Pretax income | 300,000 | 587,000 | 887,000 | 1,144,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 300,000 | 587,000 | 887,000 | 1,144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,523,000 | 4,710,000 | 4,760,000 | 5,017,000 |
| Total capital | 5,111,000 | 5,309,000 | 5,381,000 | 5,702,000 |
| Risk-weighted assets | 46,986,000 | 47,846,000 | 49,560,000 | 54,659,000 |
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