Call reports 2005
PEOPLES STATE BANK — 2005
What PEOPLES STATE 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 | 42,424,000 | 44,195,000 | 42,355,000 | 44,376,000 |
| Total loans | 14,888,000 | 15,282,000 | 15,937,000 | 15,452,000 |
| Allowance for loan losses | 140,000 | 139,000 | 139,000 | 139,000 |
| Securities available for sale | 22,591,000 | 22,654,000 | 22,410,000 | 22,102,000 |
| Securities held to maturity | 824,000 | 500,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,173,000 | 39,598,000 | 37,666,000 | 39,758,000 |
| Interest-bearing deposits | 30,849,000 | 32,026,000 | 29,842,000 | 31,096,000 |
| Noninterest-bearing deposits | 7,324,000 | 7,572,000 | 7,824,000 | 8,661,000 |
| Equity capital | 4,187,000 | 4,526,000 | 4,601,000 | 4,544,000 |
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 | 478,000 | 974,000 | 1,483,000 | 2,006,000 |
| Interest expense | 116,000 | 252,000 | 410,000 | 591,000 |
| Net interest income | 362,000 | 722,000 | 1,073,000 | 1,415,000 |
| Noninterest income | 50,000 | 97,000 | 149,000 | 197,000 |
| Noninterest expense | 177,000 | 346,000 | 517,000 | 695,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 235,000 | 476,000 | 708,000 | 920,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 235,000 | 476,000 | 708,000 | 920,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,731,000 | 4,884,000 | 5,029,000 | 5,153,000 |
| Total capital | 4,871,000 | 5,023,000 | 5,168,000 | 5,292,000 |
| Risk-weighted assets | 22,652,000 | 24,271,000 | 40,998,000 | 43,334,000 |
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