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 | 36,854,000 | 39,268,000 | 38,371,000 | 39,053,000 |
| Total loans | 15,917,000 | 18,114,000 | 19,770,000 | 19,951,000 |
| Allowance for loan losses | 622,000 | 628,000 | 631,000 | 625,000 |
| Securities available for sale | 17,148,000 | 17,326,000 | 15,971,000 | 15,387,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,479,000 | 35,664,000 | 34,742,000 | 35,571,000 |
| Interest-bearing deposits | 26,137,000 | 27,260,000 | 26,256,000 | 25,467,000 |
| Noninterest-bearing deposits | 7,342,000 | 8,404,000 | 8,486,000 | 10,104,000 |
| Equity capital | 3,252,000 | 3,477,000 | 3,471,000 | 3,352,000 |
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 | 429,000 | 889,000 | 1,403,000 | 1,921,000 |
| Interest expense | 83,000 | 169,000 | 273,000 | 377,000 |
| Net interest income | 346,000 | 720,000 | 1,130,000 | 1,544,000 |
| Noninterest income | 42,000 | 74,000 | 105,000 | 134,000 |
| Noninterest expense | 206,000 | 411,000 | 612,000 | 833,000 |
| Provision for loan losses | 6,000 | 13,000 | 13,000 | 13,000 |
| Pretax income | 176,000 | 370,000 | 610,000 | 832,000 |
| Income tax | 13,000 | 28,000 | 46,000 | 56,000 |
| Net income | 163,000 | 342,000 | 564,000 | 776,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,499,000 | 3,553,000 | 3,650,000 | 3,543,000 |
| Total capital | 3,768,000 | 3,837,000 | 3,940,000 | 3,840,000 |
| Risk-weighted assets | 21,178,000 | 22,386,000 | 22,888,000 | 23,418,000 |