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 | 81,801,000 | 85,268,000 | 83,874,000 | 84,698,000 |
| Total loans | 64,797,000 | 67,851,000 | 68,274,000 | 68,325,000 |
| Allowance for loan losses | 736,000 | 749,000 | 737,000 | 725,000 |
| Securities available for sale | 7,004,000 | 9,990,000 | 9,481,000 | 8,867,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,928,000 | 72,635,000 | 70,998,000 | 72,032,000 |
| Interest-bearing deposits | 59,643,000 | 59,670,000 | 58,903,000 | 58,936,000 |
| Noninterest-bearing deposits | 12,285,000 | 12,965,000 | 12,095,000 | 13,096,000 |
| Equity capital | 8,681,000 | 8,658,000 | 8,842,000 | 8,773,000 |
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 | 1,050,000 | 2,121,000 | 3,241,000 | 4,373,000 |
| Interest expense | 247,000 | 504,000 | 777,000 | 1,048,000 |
| Net interest income | 803,000 | 1,617,000 | 2,464,000 | 3,325,000 |
| Noninterest income | 101,000 | 205,000 | 324,000 | 436,000 |
| Noninterest expense | 750,000 | 1,493,000 | 2,246,000 | 2,977,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 139,000 | 299,000 | 497,000 | 724,000 |
| Income tax | 36,000 | 77,000 | 132,000 | 202,000 |
| Net income | 103,000 | 222,000 | 365,000 | 522,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,562,000 | 8,655,000 | 8,771,000 | 8,746,000 |
| Total capital | 9,249,000 | 9,367,000 | 9,483,000 | 9,463,000 |
| Risk-weighted assets | 54,892,000 | 56,870,000 | 56,948,000 | 57,343,000 |