Call reports 2005
PEOPLES STATE BANK — 2005
What PEOPLES STATE 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 | 21,419,000 | 21,794,000 | 21,819,000 | 22,720,000 |
| Total loans | 9,747,000 | 10,052,000 | 10,493,000 | 10,478,000 |
| Allowance for loan losses | 133,000 | 133,000 | 129,000 | 127,000 |
| Securities available for sale | 6,794,000 | 6,805,000 | 6,761,000 | 6,644,000 |
| Securities held to maturity | 2,344,000 | 2,528,000 | 2,542,000 | 2,557,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,877,000 | 18,977,000 | 18,495,000 | 19,986,000 |
| Interest-bearing deposits | 15,957,000 | 16,653,000 | 15,820,000 | 16,825,000 |
| Noninterest-bearing deposits | 2,920,000 | 2,324,000 | 2,675,000 | 3,161,000 |
| Equity capital | 2,430,000 | 2,596,000 | 2,612,000 | 2,505,000 |
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 | 286,000 | 574,000 | 872,000 | 1,180,000 |
| Interest expense | 87,000 | 179,000 | 280,000 | 388,000 |
| Net interest income | 199,000 | 395,000 | 592,000 | 792,000 |
| Noninterest income | 46,000 | 107,000 | 173,000 | 252,000 |
| Noninterest expense | 206,000 | 427,000 | 640,000 | 869,000 |
| Provision for loan losses | 35,000 | 35,000 | 35,000 | 35,000 |
| Pretax income | 4,000 | 40,000 | 90,000 | 140,000 |
| Income tax | 2,000 | 3,000 | 5,000 | 11,000 |
| Net income | 2,000 | 37,000 | 85,000 | 129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,588,000 | 2,623,000 | 2,672,000 | 2,645,000 |
| Total capital | 2,721,000 | 2,756,000 | 2,801,000 | 2,772,000 |
| Risk-weighted assets | 11,258,000 | 11,381,000 | 11,625,000 | 11,713,000 |