Call reports 2005
PEOPLES SOUTHERN BANK — 2005
What PEOPLES SOUTHERN 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 | 126,951,000 | 124,471,000 | 122,336,000 | 125,256,000 |
| Total loans | 46,099,000 | 46,693,000 | 46,968,000 | 47,429,000 |
| Allowance for loan losses | 753,000 | 683,000 | 646,000 | 612,000 |
| Securities available for sale | 66,641,000 | 66,244,000 | 62,114,000 | 60,980,000 |
| Securities held to maturity | 978,000 | 929,000 | 903,000 | 896,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,967,000 | 104,226,000 | 102,070,000 | 105,114,000 |
| Interest-bearing deposits | 82,398,000 | 79,564,000 | 75,890,000 | 79,535,000 |
| Noninterest-bearing deposits | 24,569,000 | 24,662,000 | 26,180,000 | 25,579,000 |
| Equity capital | 19,733,000 | 20,063,000 | 20,043,000 | 19,903,000 |
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 | 1,356,000 | 2,763,000 | 4,172,000 | 5,622,000 |
| Interest expense | 282,000 | 594,000 | 935,000 | 1,296,000 |
| Net interest income | 1,074,000 | 2,169,000 | 3,237,000 | 4,326,000 |
| Noninterest income | 303,000 | 617,000 | 936,000 | 1,257,000 |
| Noninterest expense | 867,000 | 1,741,000 | 2,617,000 | 3,500,000 |
| Provision for loan losses | -10,000 | -10,000 | -10,000 | -10,000 |
| Pretax income | 520,000 | 1,055,000 | 1,571,000 | 2,098,000 |
| Income tax | 16,000 | 37,000 | 58,000 | 79,000 |
| Net income | 504,000 | 1,018,000 | 1,513,000 | 2,019,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,380,000 | 20,318,000 | 20,543,000 | 20,815,000 |
| Total capital | 21,133,000 | 21,001,000 | 21,189,000 | 21,427,000 |
| Risk-weighted assets | 70,224,000 | 69,198,000 | 68,890,000 | 69,894,000 |