Call reports 2004
PEOPLE'S COMMUNITY STATE BANK — 2004
What PEOPLE'S COMMUNITY STATE 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 | 82,670,000 | 82,548,000 | 83,504,000 | 83,505,000 |
| Total loans | 61,442,000 | 63,451,000 | 65,199,000 | 62,969,000 |
| Allowance for loan losses | 918,000 | 936,000 | 964,000 | 994,000 |
| Securities available for sale | 8,580,000 | 8,130,000 | 8,272,000 | 7,730,000 |
| Securities held to maturity | 4,213,000 | 4,155,000 | 4,153,000 | 4,152,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,089,000 | 74,406,000 | 74,764,000 | 74,629,000 |
| Interest-bearing deposits | 68,450,000 | 68,005,000 | 68,801,000 | 68,307,000 |
| Noninterest-bearing deposits | 5,639,000 | 6,401,000 | 5,963,000 | 6,322,000 |
| Equity capital | 8,316,000 | 7,834,000 | 8,420,000 | 8,601,000 |
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 | 1,196,000 | 2,431,000 | 3,630,000 | 4,930,000 |
| Interest expense | 258,000 | 511,000 | 783,000 | 1,090,000 |
| Net interest income | 938,000 | 1,920,000 | 2,847,000 | 3,840,000 |
| Noninterest income | 205,000 | 416,000 | 633,000 | 863,000 |
| Noninterest expense | 603,000 | 1,198,000 | 1,809,000 | 2,770,000 |
| Provision for loan losses | 32,000 | 64,000 | 155,000 | 194,000 |
| Pretax income | 508,000 | 1,074,000 | 1,516,000 | 1,739,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 508,000 | 1,074,000 | 1,516,000 | 1,739,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,759,000 | 7,525,000 | 7,967,000 | 8,190,000 |
| Total capital | 8,465,000 | 8,239,000 | 8,691,000 | 8,892,000 |
| Risk-weighted assets | 56,272,000 | 56,891,000 | 57,681,000 | 55,866,000 |