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 | 420,736,000 | 431,214,000 | 444,601,000 | 454,963,000 |
| Total loans | 318,150,000 | 329,226,000 | 337,369,000 | 348,413,000 |
| Allowance for loan losses | 3,700,000 | 3,906,000 | 4,107,000 | 4,157,000 |
| Securities available for sale | 73,048,000 | 71,414,000 | 74,434,000 | 68,847,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 318,043,000 | 341,215,000 | 352,617,000 | 359,270,000 |
| Interest-bearing deposits | 272,751,000 | 294,307,000 | 300,530,000 | 307,630,000 |
| Noninterest-bearing deposits | 45,292,000 | 46,908,000 | 52,087,000 | 51,640,000 |
| Equity capital | 33,128,000 | 31,758,000 | 33,175,000 | 33,056,000 |
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 | 5,304,000 | 10,762,000 | 16,400,000 | 22,192,000 |
| Interest expense | 1,831,000 | 3,773,000 | 5,891,000 | 8,116,000 |
| Net interest income | 3,473,000 | 6,989,000 | 10,509,000 | 14,076,000 |
| Noninterest income | 629,000 | 1,484,000 | 1,919,000 | 2,647,000 |
| Noninterest expense | 2,558,000 | 5,429,000 | 7,927,000 | 10,476,000 |
| Provision for loan losses | 240,000 | 480,000 | 675,000 | 855,000 |
| Pretax income | 1,415,000 | 2,675,000 | 3,937,000 | 5,489,000 |
| Income tax | 432,000 | 882,000 | 1,393,000 | 1,885,000 |
| Net income | 983,000 | 1,793,000 | 2,544,000 | 3,604,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,798,000 | 31,682,000 | 32,432,000 | 32,588,000 |
| Total capital | 35,498,000 | 35,588,000 | 36,539,000 | 36,745,000 |
| Risk-weighted assets | 328,239,000 | 337,468,000 | 347,012,000 | 350,221,000 |