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 | 408,042,000 | 429,567,000 | 443,306,000 | 461,338,000 |
| Total loans | 344,534,000 | 347,665,000 | 342,938,000 | 341,062,000 |
| Allowance for loan losses | 3,612,000 | 3,574,000 | 3,322,000 | 3,394,000 |
| Securities available for sale | 35,810,000 | 53,471,000 | 58,899,000 | 89,426,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 360,483,000 | 366,777,000 | 393,486,000 | 411,056,000 |
| Interest-bearing deposits | 298,465,000 | 299,372,000 | 330,665,000 | 352,495,000 |
| Noninterest-bearing deposits | 62,018,000 | 67,405,000 | 62,821,000 | 58,561,000 |
| Equity capital | 40,095,000 | 40,666,000 | 41,842,000 | 42,256,000 |
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 | 5,606,000 | 11,393,000 | 17,475,000 | 23,920,000 |
| Interest expense | 1,355,000 | 2,716,000 | 4,141,000 | 5,831,000 |
| Net interest income | 4,251,000 | 8,677,000 | 13,334,000 | 18,089,000 |
| Noninterest income | 1,154,000 | 2,196,000 | 3,340,000 | 4,528,000 |
| Noninterest expense | 4,037,000 | 7,704,000 | 11,383,000 | 15,411,000 |
| Provision for loan losses | 90,000 | 470,000 | 820,000 | 1,200,000 |
| Pretax income | 1,284,000 | 2,705,000 | 4,477,000 | 6,015,000 |
| Income tax | 377,000 | 797,000 | 1,322,000 | 1,642,000 |
| Net income | 907,000 | 1,908,000 | 3,155,000 | 4,373,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,650,000 | 36,651,000 | 37,398,000 | 38,065,000 |
| Total capital | 39,262,000 | 40,225,000 | 40,720,000 | 41,459,000 |
| Risk-weighted assets | 314,551,000 | 324,725,000 | 326,192,000 | 336,267,000 |