Call reports 2004
PEOPLES STATE BANK, THE — 2004
What PEOPLES STATE BANK, THE 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 | 115,777,000 | 113,300,000 | 115,413,000 | 121,288,000 |
| Total loans | 57,495,000 | 52,342,000 | 54,526,000 | 57,000,000 |
| Allowance for loan losses | 672,000 | 678,000 | 691,000 | 668,000 |
| Securities available for sale | 33,323,000 | 31,521,000 | 27,551,000 | 34,668,000 |
| Securities held to maturity | 11,321,000 | 16,161,000 | 15,044,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,147,000 | 100,285,000 | 101,416,000 | 107,900,000 |
| Interest-bearing deposits | 83,125,000 | 81,256,000 | 65,867,000 | 88,102,000 |
| Noninterest-bearing deposits | 19,023,000 | 19,029,000 | 35,549,000 | 19,798,000 |
| Equity capital | 13,344,000 | 12,688,000 | 13,699,000 | 12,945,000 |
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 | 1,384,000 | 2,690,000 | 4,056,000 | 5,512,000 |
| Interest expense | 266,000 | 515,000 | 752,000 | 993,000 |
| Net interest income | 1,118,000 | 2,175,000 | 3,304,000 | 4,519,000 |
| Noninterest income | 222,000 | 423,000 | 604,000 | 803,000 |
| Noninterest expense | 1,013,000 | 1,951,000 | 2,857,000 | 4,157,000 |
| Provision for loan losses | 42,000 | 78,000 | 98,000 | 102,000 |
| Pretax income | 285,000 | 569,000 | 944,000 | 759,000 |
| Income tax | 40,000 | 88,000 | 88,000 | 215,000 |
| Net income | 245,000 | 481,000 | 856,000 | 544,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,177,000 | 13,396,000 | 13,788,000 | 13,114,000 |
| Total capital | 13,849,000 | 14,074,000 | 14,479,000 | 13,782,000 |
| Risk-weighted assets | 65,674,000 | 59,426,000 | 62,292,000 | 64,778,000 |