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 | 64,843,000 | 63,169,000 | 63,743,000 | 65,580,000 |
| Total loans | 35,364,000 | 36,406,000 | 36,386,000 | 35,372,000 |
| Allowance for loan losses | 461,000 | 426,000 | 439,000 | 450,000 |
| Securities available for sale | 23,832,000 | 22,187,000 | 22,951,000 | 23,202,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,809,000 | 47,139,000 | 48,141,000 | 49,758,000 |
| Interest-bearing deposits | 44,057,000 | 42,670,000 | 43,315,000 | 44,367,000 |
| Noninterest-bearing deposits | 4,752,000 | 4,469,000 | 4,826,000 | 5,391,000 |
| Equity capital | 6,677,000 | 6,133,000 | 6,521,000 | 6,535,000 |
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 | 869,000 | 1,760,000 | 2,643,000 | 3,531,000 |
| Interest expense | 329,000 | 655,000 | 981,000 | 1,312,000 |
| Net interest income | 540,000 | 1,105,000 | 1,662,000 | 2,219,000 |
| Noninterest income | 87,000 | 171,000 | 242,000 | 343,000 |
| Noninterest expense | 396,000 | 805,000 | 1,226,000 | 1,718,000 |
| Provision for loan losses | 20,000 | 80,000 | 95,000 | 105,000 |
| Pretax income | 183,000 | 363,000 | 565,000 | 721,000 |
| Income tax | 9,000 | 18,000 | 26,000 | 34,000 |
| Net income | 174,000 | 345,000 | 539,000 | 687,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,269,000 | 6,399,000 | 6,475,000 | 6,573,000 |
| Total capital | 6,733,000 | 6,825,000 | 6,914,000 | 7,023,000 |
| Risk-weighted assets | 40,062,000 | 40,354,000 | 40,064,000 | 40,318,000 |