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 | 35,951,000 | 36,265,000 | 36,422,000 | 37,219,000 |
| Total loans | 14,623,000 | 16,821,000 | 16,983,000 | 17,342,000 |
| Allowance for loan losses | 692,000 | 702,000 | 702,000 | 700,000 |
| Securities available for sale | 17,064,000 | 16,266,000 | 16,016,000 | 17,564,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,261,000 | 30,882,000 | 31,924,000 | 32,992,000 |
| Interest-bearing deposits | 26,898,000 | 24,743,000 | 25,005,000 | 25,459,000 |
| Noninterest-bearing deposits | 5,363,000 | 6,139,000 | 6,919,000 | 7,533,000 |
| Equity capital | 3,593,000 | 3,282,000 | 3,477,000 | 3,417,000 |
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 | 407,000 | 807,000 | 1,232,000 | 1,662,000 |
| Interest expense | 82,000 | 160,000 | 244,000 | 327,000 |
| Net interest income | 325,000 | 647,000 | 988,000 | 1,335,000 |
| Noninterest income | 42,000 | 77,000 | 107,000 | 135,000 |
| Noninterest expense | 200,000 | 401,000 | 602,000 | 811,000 |
| Provision for loan losses | 15,000 | 25,000 | 25,000 | 25,000 |
| Pretax income | 168,000 | 319,000 | 506,000 | 678,000 |
| Income tax | 14,000 | 26,000 | 43,000 | 44,000 |
| Net income | 154,000 | 293,000 | 463,000 | 634,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,431,000 | 3,420,000 | 3,464,000 | 3,461,000 |
| Total capital | 3,676,000 | 3,683,000 | 3,734,000 | 3,734,000 |
| Risk-weighted assets | 19,141,000 | 20,568,000 | 21,185,000 | 21,420,000 |