Call reports 2004
PEOPLES STATE BANK, FAIRMOUNT, NORTH DAKOTA — 2004
What PEOPLES STATE BANK, FAIRMOUNT, NORTH DAKOTA 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 | 14,541,000 | 14,839,000 | 13,369,000 | 13,722,000 |
| Total loans | 9,387,000 | 10,002,000 | 9,722,000 | 9,404,000 |
| Allowance for loan losses | 132,000 | 138,000 | 131,000 | 132,000 |
| Securities available for sale | 3,055,000 | 2,570,000 | 2,430,000 | 1,711,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,287,000 | 13,592,000 | 12,055,000 | 12,423,000 |
| Interest-bearing deposits | 10,876,000 | 10,363,000 | 9,794,000 | 9,765,000 |
| Noninterest-bearing deposits | 2,411,000 | 3,229,000 | 2,261,000 | 2,658,000 |
| Equity capital | 1,170,000 | 1,164,000 | 1,202,000 | 1,205,000 |
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 | 183,000 | 365,000 | 552,000 | 739,000 |
| Interest expense | 45,000 | 89,000 | 128,000 | 169,000 |
| Net interest income | 138,000 | 276,000 | 424,000 | 570,000 |
| Noninterest income | 22,000 | 46,000 | 67,000 | 87,000 |
| Noninterest expense | 124,000 | 237,000 | 361,000 | 511,000 |
| Provision for loan losses | 6,000 | 12,000 | 16,000 | 20,000 |
| Pretax income | 30,000 | 73,000 | 114,000 | 126,000 |
| Income tax | 8,000 | 21,000 | 33,000 | 34,000 |
| Net income | 22,000 | 52,000 | 81,000 | 92,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,135,000 | 1,165,000 | 1,182,000 | 1,192,000 |
| Total capital | 1,251,000 | 1,289,000 | 1,301,000 | 1,306,000 |
| Risk-weighted assets | 9,235,000 | 9,896,000 | 9,480,000 | 9,076,000 |