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 | 53,695,000 | 53,290,000 | 52,839,000 | 55,227,000 |
| Total loans | 41,940,000 | 43,294,000 | 44,593,000 | 43,994,000 |
| Allowance for loan losses | 729,000 | 729,000 | 729,000 | 752,000 |
| Securities available for sale | 5,912,000 | 6,426,000 | 5,955,000 | 5,597,000 |
| Securities held to maturity | 60,000 | 60,000 | 60,000 | 60,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,724,000 | 44,096,000 | 43,093,000 | 46,037,000 |
| Interest-bearing deposits | 37,452,000 | 37,499,000 | 36,633,000 | 39,270,000 |
| Noninterest-bearing deposits | 7,272,000 | 6,597,000 | 6,460,000 | 6,767,000 |
| Equity capital | 8,750,000 | 8,922,000 | 8,960,000 | 8,962,000 |
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 | 901,000 | 1,760,000 | 2,608,000 | 3,511,000 |
| Interest expense | 195,000 | 420,000 | 664,000 | 951,000 |
| Net interest income | 706,000 | 1,340,000 | 1,944,000 | 2,560,000 |
| Noninterest income | 65,000 | 126,000 | 194,000 | 296,000 |
| Noninterest expense | 284,000 | 556,000 | 831,000 | 1,175,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 487,000 | 910,000 | 1,307,000 | 1,656,000 |
| Income tax | 27,000 | 46,000 | 65,000 | 71,000 |
| Net income | 460,000 | 864,000 | 1,242,000 | 1,585,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,855,000 | 8,958,000 | 9,036,000 | 9,079,000 |
| Total capital | 9,387,000 | 9,499,000 | 9,584,000 | 9,633,000 |
| Risk-weighted assets | 42,355,000 | 43,097,000 | 43,699,000 | 44,149,000 |