Call reports 2005
PEOPLES SAVINGS BANK — 2005
What PEOPLES SAVINGS 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 | 52,857,000 | 54,694,000 | 56,132,000 | 54,756,000 |
| Total loans | 24,615,000 | 25,932,000 | 26,437,000 | 25,559,000 |
| Allowance for loan losses | 340,000 | 342,000 | 346,000 | 350,000 |
| Securities available for sale | 15,644,000 | 16,126,000 | 16,994,000 | 16,890,000 |
| Securities held to maturity | 8,153,000 | 8,555,000 | 8,163,000 | 8,169,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,335,000 | 34,668,000 | 33,570,000 | 33,444,000 |
| Interest-bearing deposits | 32,207,000 | 30,791,000 | 29,611,000 | 28,959,000 |
| Noninterest-bearing deposits | 4,128,000 | 3,877,000 | 3,959,000 | 4,485,000 |
| Equity capital | 4,193,000 | 4,447,000 | 4,461,000 | 4,513,000 |
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 | 655,000 | 1,346,000 | 2,081,000 | 2,837,000 |
| Interest expense | 259,000 | 550,000 | 881,000 | 1,224,000 |
| Net interest income | 396,000 | 796,000 | 1,200,000 | 1,613,000 |
| Noninterest income | 94,000 | 188,000 | 293,000 | 391,000 |
| Noninterest expense | 295,000 | 595,000 | 905,000 | 1,228,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 209,000 | 403,000 | 541,000 | 729,000 |
| Income tax | 45,000 | 82,000 | 97,000 | 115,000 |
| Net income | 164,000 | 321,000 | 444,000 | 614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,389,000 | 4,538,000 | 4,656,000 | 4,825,000 |
| Total capital | 4,729,000 | 4,880,000 | 5,002,000 | 5,175,000 |
| Risk-weighted assets | 32,522,000 | 33,917,000 | 34,756,000 | 33,833,000 |