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 | 49,623,000 | 50,794,000 | 54,430,000 | 58,459,000 |
| Total loans | 36,549,000 | 40,374,000 | 43,351,000 | 44,488,000 |
| Allowance for loan losses | 485,000 | 543,000 | 603,000 | 489,000 |
| Securities available for sale | 3,768,000 | 3,633,000 | 3,348,000 | 3,165,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,429,000 | 42,453,000 | 45,958,000 | 49,788,000 |
| Interest-bearing deposits | 36,394,000 | 36,751,000 | 37,690,000 | 42,864,000 |
| Noninterest-bearing deposits | 6,035,000 | 5,702,000 | 8,268,000 | 6,924,000 |
| Equity capital | 3,985,000 | 4,061,000 | 4,020,000 | 4,080,000 |
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 | 732,000 | 1,542,000 | 2,427,000 | 3,414,000 |
| Interest expense | 191,000 | 422,000 | 683,000 | 1,048,000 |
| Net interest income | 541,000 | 1,120,000 | 1,744,000 | 2,366,000 |
| Noninterest income | 90,000 | 192,000 | 306,000 | 412,000 |
| Noninterest expense | 494,000 | 1,025,000 | 1,564,000 | 2,130,000 |
| Provision for loan losses | 60,000 | 123,000 | 186,000 | 249,000 |
| Pretax income | 77,000 | 164,000 | 300,000 | 399,000 |
| Income tax | 20,000 | 45,000 | 149,000 | 179,000 |
| Net income | 57,000 | 119,000 | 151,000 | 220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,011,000 | 4,074,000 | 4,040,000 | 4,109,000 |
| Total capital | 4,466,000 | 4,561,000 | 4,570,000 | 4,598,000 |
| Risk-weighted assets | 36,401,000 | 38,927,000 | 42,355,000 | 44,356,000 |