Call reports 2005
PS BANK — 2005
What PS 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 | 169,933,000 | 172,156,000 | 175,489,000 | 176,827,000 |
| Total loans | 110,625,000 | 113,670,000 | 117,878,000 | 123,668,000 |
| Allowance for loan losses | 1,159,000 | 1,228,000 | 1,170,000 | 1,264,000 |
| Securities available for sale | 43,205,000 | 43,721,000 | 41,902,000 | 32,527,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,698,000 | 128,526,000 | 130,027,000 | 132,139,000 |
| Interest-bearing deposits | 106,428,000 | 105,726,000 | 106,416,000 | 108,112,000 |
| Noninterest-bearing deposits | 22,270,000 | 22,800,000 | 23,611,000 | 24,027,000 |
| Equity capital | 12,175,000 | 12,717,000 | 12,669,000 | 12,395,000 |
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 | 2,379,000 | 4,847,000 | 7,416,000 | 10,059,000 |
| Interest expense | 887,000 | 1,820,000 | 2,827,000 | 3,916,000 |
| Net interest income | 1,492,000 | 3,027,000 | 4,589,000 | 6,143,000 |
| Noninterest income | 270,000 | 595,000 | 935,000 | 1,305,000 |
| Noninterest expense | 1,300,000 | 2,599,000 | 3,996,000 | 5,442,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 445,000 |
| Pretax income | 372,000 | 843,000 | 1,258,000 | 1,917,000 |
| Income tax | 74,000 | 185,000 | 277,000 | 430,000 |
| Net income | 298,000 | 658,000 | 981,000 | 1,487,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,938,000 | 12,157,000 | 12,342,000 | 12,493,000 |
| Total capital | 13,097,000 | 13,385,000 | 13,512,000 | 13,757,000 |
| Risk-weighted assets | 116,143,000 | 118,150,000 | 121,512,000 | 124,527,000 |