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 | 41,066,000 | 43,739,000 | 45,555,000 | 47,597,000 |
| Total loans | 31,852,000 | 35,115,000 | 36,038,000 | 34,638,000 |
| Allowance for loan losses | 399,000 | 448,000 | 393,000 | 430,000 |
| Securities available for sale | 4,990,000 | 4,732,000 | 4,284,000 | 4,058,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,258,000 | 35,728,000 | 38,457,000 | 40,435,000 |
| Interest-bearing deposits | 30,201,000 | 31,775,000 | 33,405,000 | 34,072,000 |
| Noninterest-bearing deposits | 4,057,000 | 3,953,000 | 5,052,000 | 6,363,000 |
| Equity capital | 3,324,000 | 3,717,000 | 3,808,000 | 3,943,000 |
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 | 582,000 | 1,223,000 | 1,889,000 | 2,591,000 |
| Interest expense | 142,000 | 287,000 | 452,000 | 642,000 |
| Net interest income | 440,000 | 936,000 | 1,437,000 | 1,949,000 |
| Noninterest income | 173,000 | 281,000 | 412,000 | 515,000 |
| Noninterest expense | 388,000 | 790,000 | 1,215,000 | 1,758,000 |
| Provision for loan losses | 30,000 | 60,000 | 160,000 | 270,000 |
| Pretax income | 207,000 | 379,000 | 486,000 | 435,000 |
| Income tax | 48,000 | 144,000 | 188,000 | 153,000 |
| Net income | 159,000 | 235,000 | 298,000 | 282,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,321,000 | 3,757,000 | 3,820,000 | 3,954,000 |
| Total capital | 3,713,000 | 4,185,000 | 4,213,000 | 4,384,000 |
| Risk-weighted assets | 31,383,000 | 34,180,000 | 34,631,000 | 34,398,000 |