Call reports 2004
PEOPLES SAVINGS BANK — 2004
What PEOPLES SAVINGS 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 | 50,312,000 | 51,988,000 | 52,229,000 | 50,456,000 |
| Total loans | 24,569,000 | 25,377,000 | 26,296,000 | 24,964,000 |
| Allowance for loan losses | 418,000 | 270,000 | 331,000 | 340,000 |
| Securities available for sale | 20,982,000 | 15,598,000 | 14,314,000 | 13,460,000 |
| Securities held to maturity | 0 | 7,370,000 | 7,593,000 | 8,143,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,588,000 | 35,701,000 | 34,390,000 | 35,804,000 |
| Interest-bearing deposits | 32,078,000 | 32,355,000 | 30,725,000 | 31,193,000 |
| Noninterest-bearing deposits | 3,510,000 | 3,346,000 | 3,665,000 | 4,611,000 |
| Equity capital | 4,423,000 | 4,056,000 | 4,300,000 | 4,236,000 |
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 | 651,000 | 1,288,000 | 1,945,000 | 2,604,000 |
| Interest expense | 236,000 | 481,000 | 739,000 | 992,000 |
| Net interest income | 415,000 | 807,000 | 1,206,000 | 1,612,000 |
| Noninterest income | 99,000 | 181,000 | 282,000 | 370,000 |
| Noninterest expense | 283,000 | 577,000 | 862,000 | 1,155,000 |
| Provision for loan losses | 10,000 | 25,000 | 91,000 | 373,000 |
| Pretax income | 225,000 | 392,000 | 544,000 | 477,000 |
| Income tax | 42,000 | 68,000 | 85,000 | 41,000 |
| Net income | 183,000 | 324,000 | 459,000 | 436,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,067,000 | 4,174,000 | 4,282,000 | 4,259,000 |
| Total capital | 4,451,000 | 4,444,000 | 4,613,000 | 4,599,000 |
| Risk-weighted assets | 30,671,000 | 32,180,000 | 33,386,000 | 32,204,000 |