Call reports 2005
PEOPLE'S COMMUNITY STATE BANK — 2005
What PEOPLE'S COMMUNITY STATE 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 | 85,902,000 | 89,269,000 | 90,181,000 | 89,426,000 |
| Total loans | 64,644,000 | 66,054,000 | 67,837,000 | 67,862,000 |
| Allowance for loan losses | 1,031,000 | 1,059,000 | 1,088,000 | 1,117,000 |
| Securities available for sale | 7,675,000 | 8,275,000 | 10,225,000 | 9,657,000 |
| Securities held to maturity | 4,035,000 | 5,981,000 | 4,786,000 | 4,785,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,548,000 | 80,081,000 | 80,543,000 | 79,397,000 |
| Interest-bearing deposits | 69,671,000 | 73,105,000 | 74,127,000 | 72,592,000 |
| Noninterest-bearing deposits | 6,877,000 | 6,976,000 | 6,416,000 | 6,805,000 |
| Equity capital | 9,134,000 | 8,906,000 | 9,309,000 | 9,748,000 |
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 | 1,217,000 | 2,508,000 | 3,900,000 | 5,319,000 |
| Interest expense | 312,000 | 671,000 | 1,075,000 | 1,532,000 |
| Net interest income | 905,000 | 1,837,000 | 2,825,000 | 3,787,000 |
| Noninterest income | 221,000 | 460,000 | 694,000 | 948,000 |
| Noninterest expense | 667,000 | 1,325,000 | 1,965,000 | 2,633,000 |
| Provision for loan losses | 43,000 | 87,000 | 131,000 | 178,000 |
| Pretax income | 416,000 | 885,000 | 1,423,000 | 1,924,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 416,000 | 885,000 | 1,423,000 | 1,924,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,826,000 | 8,495,000 | 8,946,000 | 9,447,000 |
| Total capital | 9,545,000 | 9,262,000 | 9,716,000 | 10,213,000 |
| Risk-weighted assets | 57,303,000 | 61,098,000 | 61,303,000 | 60,896,000 |