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 | 94,690,000 | 95,428,000 | 93,590,000 | 94,273,000 |
| Total loans | 73,110,000 | 74,402,000 | 75,097,000 | 77,098,000 |
| Allowance for loan losses | 710,000 | 660,000 | 666,000 | 772,000 |
| Securities available for sale | 9,511,000 | 9,990,000 | 9,380,000 | 9,053,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,747,000 | 82,220,000 | 80,144,000 | 79,673,000 |
| Interest-bearing deposits | 67,906,000 | 68,064,000 | 65,637,000 | 65,080,000 |
| Noninterest-bearing deposits | 13,841,000 | 14,156,000 | 14,507,000 | 14,593,000 |
| Equity capital | 8,806,000 | 8,995,000 | 9,170,000 | 9,128,000 |
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 | 1,176,000 | 2,470,000 | 3,819,000 | 5,243,000 |
| Interest expense | 286,000 | 593,000 | 907,000 | 1,235,000 |
| Net interest income | 890,000 | 1,877,000 | 2,912,000 | 4,008,000 |
| Noninterest income | 118,000 | 250,000 | 409,000 | 587,000 |
| Noninterest expense | 818,000 | 1,665,000 | 2,526,000 | 3,410,000 |
| Provision for loan losses | 16,000 | 34,000 | 52,000 | 180,000 |
| Pretax income | 174,000 | 428,000 | 743,000 | 1,005,000 |
| Income tax | 47,000 | 123,000 | 216,000 | 300,000 |
| Net income | 127,000 | 305,000 | 527,000 | 705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,656,000 | 7,812,000 | 8,015,000 | 8,020,000 |
| Total capital | 8,366,000 | 8,472,000 | 8,681,000 | 8,792,000 |
| Risk-weighted assets | 62,181,000 | 63,771,000 | 63,787,000 | 65,469,000 |