Call reports 2004
PEOPLES STATE BANK OF VELVA — 2004
What PEOPLES STATE BANK OF VELVA 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 | 26,428,000 | 25,948,000 | 25,572,000 | 24,935,000 |
| Total loans | 11,954,000 | 14,449,000 | 15,424,000 | 14,934,000 |
| Allowance for loan losses | 280,000 | 282,000 | 285,000 | 287,000 |
| Securities available for sale | 11,641,000 | 9,551,000 | 8,667,000 | 7,760,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,719,000 | 21,361,000 | 20,390,000 | 20,139,000 |
| Interest-bearing deposits | 19,088,000 | 17,742,000 | 17,668,000 | 17,008,000 |
| Noninterest-bearing deposits | 2,631,000 | 3,619,000 | 2,722,000 | 3,131,000 |
| Equity capital | 4,635,000 | 4,520,000 | 4,671,000 | 4,700,000 |
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 | 295,000 | 626,000 | 955,000 | 1,285,000 |
| Interest expense | 71,000 | 139,000 | 209,000 | 278,000 |
| Net interest income | 224,000 | 487,000 | 746,000 | 1,007,000 |
| Noninterest income | 14,000 | 27,000 | 47,000 | 64,000 |
| Noninterest expense | 188,000 | 366,000 | 543,000 | 738,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 11,000 |
| Pretax income | 47,000 | 142,000 | 241,000 | 322,000 |
| Income tax | 3,000 | 6,000 | 9,000 | 20,000 |
| Net income | 44,000 | 136,000 | 232,000 | 302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,398,000 | 4,475,000 | 4,556,000 | 4,627,000 |
| Total capital | 4,571,000 | 4,681,000 | 4,761,000 | 4,844,000 |
| Risk-weighted assets | 13,761,000 | 16,408,000 | 16,316,000 | 17,258,000 |
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