Call reports 2004
PEOPLES STATE BANK OF CHANDLERVILLE — 2004
What PEOPLES STATE BANK OF CHANDLERVILLE 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 | 41,256,000 | 40,762,000 | 42,399,000 | 43,316,000 |
| Total loans | 26,887,000 | 27,914,000 | 29,320,000 | 28,670,000 |
| Allowance for loan losses | 293,000 | 299,000 | 299,000 | 243,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 9,049,000 | 9,271,000 | 7,921,000 | 7,983,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,633,000 | 37,010,000 | 38,503,000 | 39,412,000 |
| Interest-bearing deposits | 36,624,000 | 35,892,000 | 37,178,000 | 38,110,000 |
| Noninterest-bearing deposits | 1,009,000 | 1,118,000 | 1,325,000 | 1,302,000 |
| Equity capital | 3,406,000 | 3,471,000 | 3,564,000 | 3,528,000 |
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 | 583,000 | 1,191,000 | 1,773,000 | 2,385,000 |
| Interest expense | 184,000 | 359,000 | 527,000 | 716,000 |
| Net interest income | 399,000 | 832,000 | 1,246,000 | 1,669,000 |
| Noninterest income | 68,000 | 137,000 | 208,000 | 241,000 |
| Noninterest expense | 319,000 | 646,000 | 938,000 | 1,305,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 100,000 |
| Pretax income | 118,000 | 263,000 | 426,000 | 505,000 |
| Income tax | 44,000 | 99,000 | 153,000 | 190,000 |
| Net income | 74,000 | 164,000 | 273,000 | 315,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,406,000 | 3,471,000 | 3,564,000 | 3,528,000 |
| Total capital | 3,699,000 | 3,770,000 | 3,863,000 | 3,771,000 |
| Risk-weighted assets | 26,346,000 | 26,935,000 | 28,102,000 | 27,119,000 |