Call reports 2004
PEOPLES SAVINGS BANK — 2004
What PEOPLES SAVINGS 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 | 20,493,000 | 21,746,000 | 21,632,000 | 22,543,000 |
| Total loans | 9,842,000 | 10,106,000 | 10,236,000 | 10,362,000 |
| Allowance for loan losses | 144,000 | 144,000 | 144,000 | 144,000 |
| Securities available for sale | 8,722,000 | 9,026,000 | 9,858,000 | 9,607,000 |
| Securities held to maturity | 75,000 | 75,000 | 75,000 | 25,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,710,000 | 20,246,000 | 18,906,000 | 20,807,000 |
| Interest-bearing deposits | 17,241,000 | 18,457,000 | 17,499,000 | 18,935,000 |
| Noninterest-bearing deposits | 1,469,000 | 1,789,000 | 1,407,000 | 1,871,000 |
| Equity capital | 1,628,000 | 1,460,000 | 1,661,000 | 1,667,000 |
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 | 302,000 | 581,000 | 888,000 | 1,179,000 |
| Interest expense | 90,000 | 182,000 | 278,000 | 375,000 |
| Net interest income | 212,000 | 399,000 | 610,000 | 804,000 |
| Noninterest income | 32,000 | 59,000 | 91,000 | 117,000 |
| Noninterest expense | 167,000 | 314,000 | 483,000 | 655,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 83,000 | 162,000 | 236,000 | 284,000 |
| Income tax | 25,000 | 47,000 | 67,000 | 77,000 |
| Net income | 58,000 | 115,000 | 169,000 | 207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,462,000 | 1,519,000 | 1,573,000 | 1,612,000 |
| Total capital | 1,606,000 | 1,663,000 | 1,717,000 | 1,756,000 |
| Risk-weighted assets | 13,477,000 | 14,187,000 | 14,254,000 | 14,734,000 |
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