Call reports 2005
PEOPLES STATE BANK OF CHANDLERVILLE — 2005
What PEOPLES STATE BANK OF CHANDLERVILLE 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 | 43,728,000 | 42,699,000 | 42,321,000 | 43,175,000 |
| Total loans | 29,150,000 | 30,008,000 | 30,516,000 | 30,435,000 |
| Allowance for loan losses | 277,000 | 286,000 | 234,000 | 250,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,230,000 | 9,230,000 | 9,290,000 | 8,671,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,837,000 | 38,681,000 | 37,582,000 | 39,255,000 |
| Interest-bearing deposits | 38,786,000 | 36,244,000 | 34,598,000 | 36,126,000 |
| Noninterest-bearing deposits | 1,051,000 | 2,437,000 | 2,984,000 | 3,129,000 |
| Equity capital | 3,597,000 | 3,706,000 | 3,810,000 | 3,588,000 |
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 | 611,000 | 1,271,000 | 1,959,000 | 2,530,000 |
| Interest expense | 185,000 | 381,000 | 588,000 | 803,000 |
| Net interest income | 426,000 | 890,000 | 1,371,000 | 1,727,000 |
| Noninterest income | 69,000 | 153,000 | 229,000 | 440,000 |
| Noninterest expense | 348,000 | 701,000 | 1,075,000 | 1,474,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 298,000 |
| Pretax income | 117,000 | 282,000 | 435,000 | 395,000 |
| Income tax | 48,000 | 104,000 | 152,000 | 184,000 |
| Net income | 69,000 | 178,000 | 283,000 | 211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,597,000 | 3,706,000 | 3,810,000 | 3,588,000 |
| Total capital | 3,874,000 | 3,992,000 | 4,044,000 | 3,838,000 |
| Risk-weighted assets | 28,366,000 | 28,455,000 | 28,750,000 | 28,884,000 |