Call reports 2005
PEOPLES STATE BANK — 2005
What PEOPLES 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 | 14,848,000 | 15,303,000 | 15,774,000 | 17,109,000 |
| Total loans | 10,588,000 | 11,607,000 | 12,583,000 | 13,819,000 |
| Allowance for loan losses | 155,000 | 150,000 | 162,000 | 203,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,526,000 | 2,525,000 | 2,370,000 | 2,170,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,459,000 | 11,588,000 | 11,128,000 | 11,588,000 |
| Interest-bearing deposits | 9,776,000 | 9,820,000 | 9,311,000 | 9,426,000 |
| Noninterest-bearing deposits | 1,683,000 | 1,768,000 | 1,817,000 | 2,162,000 |
| Equity capital | 3,119,000 | 3,203,000 | 3,291,000 | 3,301,000 |
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 | 273,000 | 590,000 | 924,000 | 1,282,000 |
| Interest expense | 32,000 | 62,000 | 92,000 | 138,000 |
| Net interest income | 241,000 | 528,000 | 832,000 | 1,144,000 |
| Noninterest income | 71,000 | 162,000 | 258,000 | 327,000 |
| Noninterest expense | 131,000 | 259,000 | 387,000 | 535,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 85,000 |
| Pretax income | 181,000 | 431,000 | 683,000 | 851,000 |
| Income tax | 26,000 | 42,000 | 56,000 | 64,000 |
| Net income | 155,000 | 389,000 | 627,000 | 787,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,119,000 | 3,203,000 | 3,291,000 | 3,301,000 |
| Total capital | 3,251,000 | 3,348,000 | 3,448,000 | 3,473,000 |
| Risk-weighted assets | 10,540,000 | 11,242,000 | 12,164,000 | 13,480,000 |