Call reports 2005
PEOPLES STATE BANK OF VELVA — 2005
What PEOPLES STATE BANK OF VELVA 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 | 26,994,000 | 26,362,000 | 25,591,000 | 25,533,000 |
| Total loans | 13,434,000 | 15,568,000 | 15,807,000 | 15,145,000 |
| Allowance for loan losses | 290,000 | 293,000 | 294,000 | 296,000 |
| Securities available for sale | 8,790,000 | 8,937,000 | 8,512,000 | 8,096,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,360,000 | 20,721,000 | 19,848,000 | 20,564,000 |
| Interest-bearing deposits | 18,999,000 | 17,748,000 | 16,608,000 | 16,717,000 |
| Noninterest-bearing deposits | 3,361,000 | 2,973,000 | 3,240,000 | 3,847,000 |
| Equity capital | 4,577,000 | 4,668,000 | 4,722,000 | 4,738,000 |
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 | 314,000 | 669,000 | 1,045,000 | 1,424,000 |
| Interest expense | 71,000 | 148,000 | 237,000 | 326,000 |
| Net interest income | 243,000 | 521,000 | 808,000 | 1,098,000 |
| Noninterest income | 15,000 | 30,000 | 49,000 | 68,000 |
| Noninterest expense | 206,000 | 399,000 | 583,000 | 802,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 11,000 |
| Pretax income | 49,000 | 146,000 | 265,000 | 353,000 |
| Income tax | 3,000 | 6,000 | 9,000 | 24,000 |
| Net income | 46,000 | 140,000 | 256,000 | 329,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,584,000 | 4,638,000 | 4,733,000 | 4,669,000 |
| Total capital | 4,769,000 | 4,834,000 | 4,934,000 | 4,868,000 |
| Risk-weighted assets | 14,701,000 | 15,579,000 | 15,998,000 | 15,821,000 |
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