Call reports 2004
PEOPLES HOME SAVINGS BANK — 2004
What PEOPLES HOME SAVINGS 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 | 333,285,000 | 315,646,000 | 331,091,000 | 328,255,000 |
| Total loans | 151,339,000 | 133,095,000 | 151,567,000 | 147,076,000 |
| Allowance for loan losses | 1,608,000 | 1,590,000 | 1,539,000 | 1,454,000 |
| Securities available for sale | 101,142,000 | 112,347,000 | 113,911,000 | 115,499,000 |
| Securities held to maturity | 58,880,000 | 51,417,000 | 44,621,000 | 37,674,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,789,000 | 223,053,000 | 237,092,000 | 235,393,000 |
| Interest-bearing deposits | 213,312,000 | 197,495,000 | 210,756,000 | 204,581,000 |
| Noninterest-bearing deposits | 24,477,000 | 25,558,000 | 26,336,000 | 30,812,000 |
| Equity capital | 38,646,000 | 37,321,000 | 38,468,000 | 38,247,000 |
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 | 4,093,000 | 8,062,000 | 12,010,000 | 16,023,000 |
| Interest expense | 1,971,000 | 3,887,000 | 5,789,000 | 7,667,000 |
| Net interest income | 2,122,000 | 4,175,000 | 6,221,000 | 8,356,000 |
| Noninterest income | 253,000 | 522,000 | 789,000 | 1,055,000 |
| Noninterest expense | 1,899,000 | 3,683,000 | 5,579,000 | 7,639,000 |
| Provision for loan losses | 120,000 | 210,000 | 300,000 | 390,000 |
| Pretax income | 465,000 | 981,000 | 1,615,000 | 2,009,000 |
| Income tax | 51,000 | 115,000 | 240,000 | 381,000 |
| Net income | 414,000 | 866,000 | 1,375,000 | 1,628,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,452,000 | 37,904,000 | 38,413,000 | 38,666,000 |
| Total capital | 39,060,000 | 39,494,000 | 39,952,000 | 40,120,000 |
| Risk-weighted assets | 162,760,000 | 146,251,000 | 165,539,000 | 162,498,000 |