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 | 477,905,000 | 485,816,000 | 497,410,000 | 495,222,000 |
| Total loans | 344,644,000 | 350,902,000 | 362,926,000 | 371,328,000 |
| Allowance for loan losses | 3,430,000 | 3,675,000 | 3,611,000 | 3,696,000 |
| Securities available for sale | 104,351,000 | 105,350,000 | 102,441,000 | 91,910,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 419,413,000 | 423,682,000 | 425,872,000 | 424,895,000 |
| Interest-bearing deposits | 360,171,000 | 361,394,000 | 359,063,000 | 368,074,000 |
| Noninterest-bearing deposits | 59,242,000 | 62,288,000 | 66,809,000 | 56,821,000 |
| Equity capital | 41,939,000 | 43,012,000 | 43,300,000 | 43,208,000 |
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 | 6,617,000 | 13,793,000 | 21,327,000 | 29,112,000 |
| Interest expense | 1,901,000 | 4,086,000 | 6,574,000 | 9,369,000 |
| Net interest income | 4,716,000 | 9,707,000 | 14,753,000 | 19,743,000 |
| Noninterest income | 1,100,000 | 2,215,000 | 3,472,000 | 4,713,000 |
| Noninterest expense | 4,139,000 | 8,203,000 | 12,367,000 | 17,030,000 |
| Provision for loan losses | 404,000 | 549,000 | 1,193,000 | 1,554,000 |
| Pretax income | 1,297,000 | 3,194,000 | 4,696,000 | 5,856,000 |
| Income tax | 379,000 | 958,000 | 1,390,000 | 1,700,000 |
| Net income | 918,000 | 2,236,000 | 3,306,000 | 4,156,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,433,000 | 38,917,000 | 39,406,000 | 39,548,000 |
| Total capital | 41,863,000 | 42,592,000 | 43,017,000 | 43,244,000 |
| Risk-weighted assets | 343,119,000 | 351,444,000 | 359,544,000 | 366,390,000 |