Call reports 2004
PS BANK — 2004
What PS 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 | 160,424,000 | 167,477,000 | 168,948,000 | 168,134,000 |
| Total loans | 104,210,000 | 107,690,000 | 109,540,000 | 110,275,000 |
| Allowance for loan losses | 1,122,000 | 496,000 | 718,000 | 1,126,000 |
| Securities available for sale | 42,579,000 | 44,376,000 | 43,892,000 | 43,580,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,724,000 | 126,537,000 | 127,173,000 | 125,099,000 |
| Interest-bearing deposits | 103,336,000 | 106,388,000 | 106,287,000 | 102,544,000 |
| Noninterest-bearing deposits | 18,388,000 | 20,149,000 | 20,886,000 | 22,555,000 |
| Equity capital | 12,675,000 | 11,965,000 | 12,645,000 | 12,293,000 |
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 | 2,241,000 | 4,519,000 | 6,892,000 | 9,343,000 |
| Interest expense | 771,000 | 1,570,000 | 2,415,000 | 3,264,000 |
| Net interest income | 1,470,000 | 2,949,000 | 4,477,000 | 6,079,000 |
| Noninterest income | 285,000 | 568,000 | 951,000 | 1,254,000 |
| Noninterest expense | 1,201,000 | 2,505,000 | 3,823,000 | 4,996,000 |
| Provision for loan losses | 90,000 | 300,000 | 510,000 | 1,100,000 |
| Pretax income | 464,000 | 715,000 | 1,098,000 | 1,330,000 |
| Income tax | 97,000 | 138,000 | 215,000 | 214,000 |
| Net income | 367,000 | 577,000 | 883,000 | 1,116,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,673,000 | 11,752,000 | 11,926,000 | 11,780,000 |
| Total capital | 12,795,000 | 12,248,000 | 12,644,000 | 12,906,000 |
| Risk-weighted assets | 110,369,000 | 114,644,000 | 115,896,000 | 116,040,000 |