Call reports 2004
PEOPLES STATE BANK — 2004
What PEOPLES STATE 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 | 20,695,000 | 21,125,000 | 21,688,000 | 21,945,000 |
| Total loans | 8,632,000 | 9,308,000 | 9,518,000 | 9,399,000 |
| Allowance for loan losses | 99,000 | 98,000 | 98,000 | 98,000 |
| Securities available for sale | 7,938,000 | 8,271,000 | 8,367,000 | 7,884,000 |
| Securities held to maturity | 798,000 | 748,000 | 747,000 | 1,337,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,904,000 | 17,705,000 | 18,878,000 | 19,159,000 |
| Interest-bearing deposits | 15,385,000 | 15,221,000 | 16,020,000 | 16,008,000 |
| Noninterest-bearing deposits | 2,519,000 | 2,484,000 | 2,858,000 | 3,151,000 |
| Equity capital | 2,630,000 | 2,361,000 | 2,607,000 | 2,564,000 |
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 | 261,000 | 539,000 | 821,000 | 1,105,000 |
| Interest expense | 79,000 | 161,000 | 244,000 | 327,000 |
| Net interest income | 182,000 | 378,000 | 577,000 | 778,000 |
| Noninterest income | 50,000 | 114,000 | 187,000 | 256,000 |
| Noninterest expense | 188,000 | 399,000 | 592,000 | 821,000 |
| Provision for loan losses | 0 | 3,000 | 3,000 | 3,000 |
| Pretax income | 52,000 | 90,000 | 169,000 | 210,000 |
| Income tax | 12,000 | 18,000 | 41,000 | 49,000 |
| Net income | 40,000 | 72,000 | 128,000 | 161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,536,000 | 2,569,000 | 2,626,000 | 2,659,000 |
| Total capital | 2,635,000 | 2,667,000 | 2,724,000 | 2,757,000 |
| Risk-weighted assets | 10,227,000 | 10,933,000 | 11,067,000 | 11,132,000 |