Call reports 2005
PEOPLES SECURITY BANK — 2005
What PEOPLES SECURITY 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 | 46,839,000 | 46,821,000 | 46,445,000 | 46,634,000 |
| Total loans | 27,065,000 | 27,036,000 | 26,921,000 | 25,997,000 |
| Allowance for loan losses | 418,000 | 417,000 | 407,000 | 400,000 |
| Securities available for sale | 12,084,000 | 12,218,000 | 11,491,000 | 13,197,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,953,000 | 39,731,000 | 39,271,000 | 39,402,000 |
| Interest-bearing deposits | 27,685,000 | 27,497,000 | 27,355,000 | 27,665,000 |
| Noninterest-bearing deposits | 12,268,000 | 12,234,000 | 11,916,000 | 11,737,000 |
| Equity capital | 5,216,000 | 5,387,000 | 5,419,000 | 5,431,000 |
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 | 674,000 | 1,385,000 | 2,106,000 | 2,837,000 |
| Interest expense | 111,000 | 237,000 | 375,000 | 533,000 |
| Net interest income | 563,000 | 1,148,000 | 1,731,000 | 2,304,000 |
| Noninterest income | 130,000 | 269,000 | 403,000 | 521,000 |
| Noninterest expense | 540,000 | 1,035,000 | 1,567,000 | 2,088,000 |
| Provision for loan losses | 18,000 | 18,000 | 18,000 | 18,000 |
| Pretax income | 135,000 | 364,000 | 549,000 | 719,000 |
| Income tax | 23,000 | 90,000 | 138,000 | 203,000 |
| Net income | 112,000 | 274,000 | 411,000 | 516,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,171,000 | 5,290,000 | 5,383,000 | 5,444,000 |
| Total capital | 5,494,000 | 5,615,000 | 5,707,000 | 5,763,000 |
| Risk-weighted assets | 25,746,000 | 25,923,000 | 25,857,000 | 25,466,000 |