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 | 65,642,000 | 62,197,000 | 63,242,000 | 63,846,000 |
| Total loans | 33,666,000 | 34,837,000 | 36,020,000 | 36,817,000 |
| Allowance for loan losses | 444,000 | 456,000 | 466,000 | 460,000 |
| Securities available for sale | 26,533,000 | 21,855,000 | 21,156,000 | 21,497,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,801,000 | 46,778,000 | 46,336,000 | 47,737,000 |
| Interest-bearing deposits | 43,551,000 | 41,891,000 | 41,211,000 | 41,815,000 |
| Noninterest-bearing deposits | 6,250,000 | 4,887,000 | 5,125,000 | 5,922,000 |
| Equity capital | 6,383,000 | 6,619,000 | 6,625,000 | 6,589,000 |
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 | 862,000 | 1,719,000 | 2,582,000 | 3,477,000 |
| Interest expense | 341,000 | 710,000 | 1,082,000 | 1,481,000 |
| Net interest income | 521,000 | 1,009,000 | 1,500,000 | 1,996,000 |
| Noninterest income | 101,000 | 198,000 | 323,000 | 424,000 |
| Noninterest expense | 429,000 | 863,000 | 1,308,000 | 1,735,000 |
| Provision for loan losses | 5,000 | 20,000 | 20,000 | 20,000 |
| Pretax income | 188,000 | 328,000 | 499,000 | 669,000 |
| Income tax | 11,000 | 17,000 | 25,000 | 33,000 |
| Net income | 177,000 | 311,000 | 474,000 | 636,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,750,000 | 6,852,000 | 6,918,000 | 7,048,000 |
| Total capital | 7,194,000 | 7,308,000 | 7,384,000 | 7,508,000 |
| Risk-weighted assets | 39,584,000 | 39,297,000 | 40,018,000 | 40,645,000 |