Call reports 2004
PEOPLES SECURITY BANK — 2004
What PEOPLES SECURITY 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 | 45,380,000 | 45,489,000 | 45,193,000 | 45,534,000 |
| Total loans | 25,109,000 | 25,842,000 | 26,457,000 | 27,565,000 |
| Allowance for loan losses | 435,000 | 415,000 | 424,000 | 417,000 |
| Securities available for sale | 15,467,000 | 13,397,000 | 13,807,000 | 12,065,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,722,000 | 38,773,000 | 38,272,000 | 38,573,000 |
| Interest-bearing deposits | 28,266,000 | 27,453,000 | 26,518,000 | 27,165,000 |
| Noninterest-bearing deposits | 10,456,000 | 11,320,000 | 11,754,000 | 11,408,000 |
| Equity capital | 5,140,000 | 5,013,000 | 5,193,000 | 5,216,000 |
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 | 641,000 | 1,286,000 | 1,933,000 | 2,605,000 |
| Interest expense | 113,000 | 218,000 | 322,000 | 431,000 |
| Net interest income | 528,000 | 1,068,000 | 1,611,000 | 2,174,000 |
| Noninterest income | 109,000 | 227,000 | 360,000 | 505,000 |
| Noninterest expense | 489,000 | 1,014,000 | 1,498,000 | 2,050,000 |
| Provision for loan losses | 0 | 6,000 | 16,000 | 16,000 |
| Pretax income | 148,000 | 275,000 | 457,000 | 613,000 |
| Income tax | 31,000 | 60,000 | 113,000 | 166,000 |
| Net income | 117,000 | 215,000 | 344,000 | 447,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,902,000 | 4,957,000 | 5,042,000 | 5,102,000 |
| Total capital | 5,207,000 | 5,270,000 | 5,357,000 | 5,428,000 |
| Risk-weighted assets | 24,277,000 | 24,919,000 | 25,125,000 | 25,986,000 |