Call reports 2005
PEOPLES STATE BANK, FAIRMOUNT, NORTH DAKOTA — 2005
What PEOPLES STATE BANK, FAIRMOUNT, NORTH DAKOTA 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 | 14,099,000 | 13,945,000 | 13,317,000 | 15,879,000 |
| Total loans | 10,183,000 | 10,214,000 | 10,617,000 | 10,487,000 |
| Allowance for loan losses | 135,000 | 139,000 | 143,000 | 143,000 |
| Securities available for sale | 1,544,000 | 1,695,000 | 1,570,000 | 1,460,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,809,000 | 12,604,000 | 11,924,000 | 14,505,000 |
| Interest-bearing deposits | 10,474,000 | 10,339,000 | 9,632,000 | 10,058,000 |
| Noninterest-bearing deposits | 2,335,000 | 2,265,000 | 2,292,000 | 4,447,000 |
| Equity capital | 1,187,000 | 1,227,000 | 1,263,000 | 1,256,000 |
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 | 192,000 | 400,000 | 611,000 | 837,000 |
| Interest expense | 40,000 | 86,000 | 133,000 | 187,000 |
| Net interest income | 152,000 | 314,000 | 478,000 | 650,000 |
| Noninterest income | 18,000 | 36,000 | 56,000 | 74,000 |
| Noninterest expense | 130,000 | 252,000 | 376,000 | 558,000 |
| Provision for loan losses | 5,000 | 15,000 | 16,000 | 23,000 |
| Pretax income | 35,000 | 83,000 | 142,000 | 143,000 |
| Income tax | 11,000 | 22,000 | 40,000 | 40,000 |
| Net income | 24,000 | 61,000 | 102,000 | 103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,185,000 | 1,223,000 | 1,264,000 | 1,265,000 |
| Total capital | 1,300,000 | 1,341,000 | 1,379,000 | 1,388,000 |
| Risk-weighted assets | 9,172,000 | 9,423,000 | 9,157,000 | 9,805,000 |