Call reports 2004
PEOPLES STATE BANK — 2004
What PEOPLES 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 | 13,851,000 | 13,568,000 | 13,698,000 | 13,266,000 |
| Total loans | 11,126,000 | 11,606,000 | 11,078,000 | 10,426,000 |
| Allowance for loan losses | 174,000 | 174,000 | 175,000 | 161,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 777,000 | 776,000 | 726,000 | 726,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,539,000 | 10,289,000 | 10,397,000 | 9,982,000 |
| Interest-bearing deposits | 8,727,000 | 8,628,000 | 8,407,000 | 8,277,000 |
| Noninterest-bearing deposits | 1,812,000 | 1,661,000 | 1,990,000 | 1,705,000 |
| Equity capital | 3,018,000 | 2,964,000 | 2,974,000 | 2,963,000 |
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 | 277,000 | 546,000 | 817,000 | 1,082,000 |
| Interest expense | 33,000 | 66,000 | 96,000 | 126,000 |
| Net interest income | 244,000 | 480,000 | 721,000 | 956,000 |
| Noninterest income | 110,000 | 170,000 | 242,000 | 315,000 |
| Noninterest expense | 143,000 | 279,000 | 422,000 | 571,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 211,000 | 371,000 | 541,000 | 700,000 |
| Income tax | 8,000 | 19,000 | 30,000 | 41,000 |
| Net income | 203,000 | 352,000 | 511,000 | 659,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,018,000 | 2,964,000 | 2,974,000 | 2,963,000 |
| Total capital | 3,140,000 | 3,103,000 | 3,109,000 | 3,093,000 |
| Risk-weighted assets | 9,738,000 | 11,088,000 | 10,777,000 | 10,419,000 |