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 | 468,662,000 | 485,978,000 | 494,452,000 | 505,907,000 |
| Total loans | 366,425,000 | 375,171,000 | 368,079,000 | 376,591,000 |
| Allowance for loan losses | 4,303,000 | 4,309,000 | 4,200,000 | 4,180,000 |
| Securities available for sale | 71,036,000 | 72,417,000 | 78,551,000 | 81,454,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 365,757,000 | 380,415,000 | 392,370,000 | 401,652,000 |
| Interest-bearing deposits | 317,277,000 | 326,633,000 | 335,697,000 | 340,294,000 |
| Noninterest-bearing deposits | 48,480,000 | 53,782,000 | 56,673,000 | 61,358,000 |
| Equity capital | 33,536,000 | 41,821,000 | 42,837,000 | 42,298,000 |
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 | 5,964,000 | 12,304,000 | 18,907,000 | 25,754,000 |
| Interest expense | 2,445,000 | 5,201,000 | 8,186,000 | 11,430,000 |
| Net interest income | 3,519,000 | 7,103,000 | 10,721,000 | 14,324,000 |
| Noninterest income | 797,000 | 1,744,000 | 2,650,000 | 3,456,000 |
| Noninterest expense | 2,611,000 | 5,361,000 | 8,218,000 | 10,937,000 |
| Provision for loan losses | 150,000 | 180,000 | 130,000 | 160,000 |
| Pretax income | 1,561,000 | 3,312,000 | 5,029,000 | 6,689,000 |
| Income tax | 503,000 | 1,060,000 | 1,622,000 | 2,146,000 |
| Net income | 1,058,000 | 2,252,000 | 3,407,000 | 4,543,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,648,000 | 41,664,000 | 42,816,000 | 42,752,000 |
| Total capital | 37,951,000 | 45,973,000 | 47,016,000 | 46,932,000 |
| Risk-weighted assets | 368,396,000 | 381,423,000 | 381,388,000 | 392,771,000 |