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 | 53,273,000 | 51,058,000 | 51,174,000 | 53,244,000 |
| Total loans | 39,588,000 | 40,846,000 | 40,336,000 | 44,514,000 |
| Allowance for loan losses | 685,000 | 685,000 | 686,000 | 698,000 |
| Securities available for sale | 8,450,000 | 7,140,000 | 6,718,000 | 6,401,000 |
| Securities held to maturity | 80,000 | 80,000 | 80,000 | 80,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,489,000 | 42,362,000 | 42,268,000 | 43,381,000 |
| Interest-bearing deposits | 37,325,000 | 35,839,000 | 35,689,000 | 36,298,000 |
| Noninterest-bearing deposits | 7,164,000 | 6,523,000 | 6,579,000 | 7,083,000 |
| Equity capital | 8,589,000 | 8,485,000 | 8,669,000 | 8,681,000 |
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 | 725,000 | 1,458,000 | 2,183,000 | 2,923,000 |
| Interest expense | 149,000 | 287,000 | 442,000 | 612,000 |
| Net interest income | 576,000 | 1,171,000 | 1,741,000 | 2,311,000 |
| Noninterest income | 63,000 | 133,000 | 205,000 | 318,000 |
| Noninterest expense | 242,000 | 494,000 | 745,000 | 1,063,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 397,000 | 810,000 | 1,201,000 | 1,546,000 |
| Income tax | 18,000 | 38,000 | 52,000 | 67,000 |
| Net income | 379,000 | 772,000 | 1,149,000 | 1,479,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,495,000 | 8,587,000 | 8,664,000 | 8,695,000 |
| Total capital | 9,008,000 | 9,106,000 | 9,170,000 | 9,243,000 |
| Risk-weighted assets | 40,878,000 | 41,334,000 | 40,277,000 | 44,050,000 |