Call reports 2004
PEOPLES STATE BANK OF WELLS — 2004
What PEOPLES STATE BANK OF WELLS 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 | 20,412,000 | 20,350,000 | 19,660,000 | 20,713,000 |
| Total loans | 10,340,000 | 11,665,000 | 12,066,000 | 13,271,000 |
| Allowance for loan losses | 136,000 | 127,000 | 139,000 | 137,000 |
| Securities available for sale | 5,993,000 | 5,762,000 | 5,450,000 | 4,594,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,300,000 | 18,307,000 | 17,585,000 | 18,602,000 |
| Interest-bearing deposits | 16,181,000 | 16,020,000 | 15,304,000 | 15,974,000 |
| Noninterest-bearing deposits | 2,119,000 | 2,287,000 | 2,281,000 | 2,628,000 |
| Equity capital | 2,078,000 | 1,993,000 | 2,020,000 | 2,057,000 |
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 | 226,000 | 455,000 | 692,000 | 935,000 |
| Interest expense | 56,000 | 106,000 | 158,000 | 210,000 |
| Net interest income | 170,000 | 349,000 | 534,000 | 725,000 |
| Noninterest income | 21,000 | 39,000 | 56,000 | 75,000 |
| Noninterest expense | 163,000 | 319,000 | 490,000 | 642,000 |
| Provision for loan losses | 0 | 0 | 14,000 | 14,000 |
| Pretax income | 28,000 | 69,000 | 86,000 | 144,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 28,000 | 69,000 | 86,000 | 144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,998,000 | 2,028,000 | 1,989,000 | 2,046,000 |
| Total capital | 2,134,000 | 2,155,000 | 2,128,000 | 2,183,000 |
| Risk-weighted assets | 11,028,000 | 11,728,000 | 12,759,000 | 14,950,000 |
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