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 | 50,803,000 | 50,147,000 | 52,047,000 | 51,564,000 |
| Total loans | 34,063,000 | 34,602,000 | 35,003,000 | 34,216,000 |
| Allowance for loan losses | 662,000 | 671,000 | 652,000 | 652,000 |
| Securities available for sale | 12,840,000 | 10,870,000 | 12,830,000 | 12,710,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,958,000 | 43,149,000 | 44,880,000 | 44,462,000 |
| Interest-bearing deposits | 40,706,000 | 39,281,000 | 40,956,000 | 40,126,000 |
| Noninterest-bearing deposits | 4,252,000 | 3,868,000 | 3,924,000 | 4,336,000 |
| Equity capital | 4,545,000 | 4,687,000 | 4,811,000 | 4,799,000 |
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 | 609,000 | 1,217,000 | 1,872,000 | 2,551,000 |
| Interest expense | 173,000 | 357,000 | 599,000 | 869,000 |
| Net interest income | 436,000 | 860,000 | 1,273,000 | 1,682,000 |
| Noninterest income | 70,000 | 104,000 | 156,000 | 195,000 |
| Noninterest expense | 320,000 | 648,000 | 1,009,000 | 1,401,000 |
| Provision for loan losses | 9,000 | 18,000 | -1,000 | 0 |
| Pretax income | 177,000 | 298,000 | 421,000 | 476,000 |
| Income tax | 0 | 12,000 | 18,000 | -48,000 |
| Net income | 177,000 | 286,000 | 403,000 | 524,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,618,000 | 4,737,000 | 4,849,000 | 4,933,000 |
| Total capital | 5,077,000 | 5,204,000 | 5,332,000 | 5,408,000 |
| Risk-weighted assets | 36,495,000 | 37,164,000 | 38,449,000 | 37,579,000 |