Call reports 2004
PEOPLES STATE BANK — 2004
What PEOPLES STATE BANK 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 | 54,601,000 | 53,695,000 | 54,077,000 | 55,044,000 |
| Total loans | 31,763,000 | 33,084,000 | 34,966,000 | 35,581,000 |
| Allowance for loan losses | 626,000 | 635,000 | 644,000 | 653,000 |
| Securities available for sale | 18,096,000 | 15,921,000 | 13,935,000 | 13,884,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,486,000 | 46,564,000 | 46,711,000 | 48,705,000 |
| Interest-bearing deposits | 43,805,000 | 42,510,000 | 42,300,000 | 43,376,000 |
| Noninterest-bearing deposits | 3,681,000 | 4,054,000 | 4,411,000 | 5,329,000 |
| Equity capital | 5,974,000 | 6,016,000 | 6,185,000 | 5,034,000 |
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 | 610,000 | 1,208,000 | 1,829,000 | 2,467,000 |
| Interest expense | 184,000 | 362,000 | 535,000 | 709,000 |
| Net interest income | 426,000 | 846,000 | 1,294,000 | 1,758,000 |
| Noninterest income | 31,000 | 63,000 | 144,000 | 177,000 |
| Noninterest expense | 291,000 | 576,000 | 935,000 | 1,382,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 160,000 | 318,000 | 479,000 | 520,000 |
| Income tax | 36,000 | 69,000 | 90,000 | 404,000 |
| Net income | 124,000 | 249,000 | 389,000 | 116,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,905,000 | 6,000,000 | 6,158,000 | 5,095,000 |
| Total capital | 6,328,000 | 6,464,000 | 6,640,000 | 5,579,000 |
| Risk-weighted assets | 33,610,000 | 36,910,000 | 38,374,000 | 38,548,000 |