Call reports 2004
PEOPLES SOUTHERN BANK — 2004
What PEOPLES SOUTHERN 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 | 123,034,000 | 121,996,000 | 121,838,000 | 122,701,000 |
| Total loans | 44,482,000 | 45,962,000 | 46,440,000 | 45,673,000 |
| Allowance for loan losses | 806,000 | 811,000 | 817,000 | 755,000 |
| Securities available for sale | 66,271,000 | 63,787,000 | 61,988,000 | 63,350,000 |
| Securities held to maturity | 1,474,000 | 1,143,000 | 1,030,000 | 985,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,599,000 | 102,022,000 | 101,236,000 | 102,430,000 |
| Interest-bearing deposits | 81,013,000 | 80,337,000 | 56,324,000 | 78,974,000 |
| Noninterest-bearing deposits | 20,586,000 | 21,685,000 | 44,912,000 | 23,456,000 |
| Equity capital | 21,074,000 | 19,783,000 | 20,359,000 | 20,057,000 |
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 | 1,314,000 | 2,641,000 | 3,962,000 | 5,294,000 |
| Interest expense | 250,000 | 489,000 | 735,000 | 995,000 |
| Net interest income | 1,064,000 | 2,152,000 | 3,227,000 | 4,299,000 |
| Noninterest income | 298,000 | 587,000 | 877,000 | 1,154,000 |
| Noninterest expense | 825,000 | 1,681,000 | 2,573,000 | 3,438,000 |
| Provision for loan losses | -10,000 | -20,000 | -20,000 | -45,000 |
| Pretax income | 547,000 | 1,083,000 | 1,556,000 | 2,063,000 |
| Income tax | 24,000 | 48,000 | 72,000 | 78,000 |
| Net income | 523,000 | 1,035,000 | 1,484,000 | 1,985,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,853,000 | 19,789,000 | 19,898,000 | 19,980,000 |
| Total capital | 20,659,000 | 20,600,000 | 20,715,000 | 20,735,000 |
| Risk-weighted assets | 67,281,000 | 68,002,000 | 66,327,000 | 67,932,000 |