Call reports 2005
PEOPLES STATE BANK OF MUNISING — 2005
What PEOPLES STATE BANK OF MUNISING 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 | 108,063,000 | 107,160,000 | 110,261,000 | 107,834,000 |
| Total loans | 75,196,000 | 77,488,000 | 78,330,000 | 79,061,000 |
| Allowance for loan losses | 1,206,000 | 1,237,000 | 1,243,000 | 1,242,000 |
| Securities available for sale | 19,763,000 | 19,739,000 | 20,122,000 | 19,075,000 |
| Securities held to maturity | 366,000 | 348,000 | 348,000 | 348,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,826,000 | 86,231,000 | 89,455,000 | 87,040,000 |
| Interest-bearing deposits | 78,668,000 | 75,505,000 | 76,937,000 | 75,132,000 |
| Noninterest-bearing deposits | 9,158,000 | 10,726,000 | 12,518,000 | 11,908,000 |
| Equity capital | 10,483,000 | 10,863,000 | 11,122,000 | 11,046,000 |
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 | 1,619,000 | 3,287,000 | 5,005,000 | 6,530,000 |
| Interest expense | 510,000 | 1,049,000 | 1,625,000 | 2,236,000 |
| Net interest income | 1,109,000 | 2,238,000 | 3,380,000 | 4,294,000 |
| Noninterest income | 93,000 | 200,000 | 339,000 | 670,000 |
| Noninterest expense | 831,000 | 1,647,000 | 2,518,000 | 3,354,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 150,000 |
| Pretax income | 347,000 | 737,000 | 1,117,000 | 1,466,000 |
| Income tax | 61,000 | 133,000 | 202,000 | 260,000 |
| Net income | 286,000 | 604,000 | 915,000 | 1,206,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,105,000 | 10,416,000 | 10,719,000 | 10,692,000 |
| Total capital | 11,111,000 | 11,443,000 | 11,760,000 | 11,726,000 |
| Risk-weighted assets | 80,305,000 | 81,977,000 | 83,078,000 | 82,522,000 |
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