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 | 244,259,000 | 243,739,000 | 247,367,000 | 247,795,000 |
| Total loans | 205,108,000 | 200,503,000 | 203,324,000 | 208,066,000 |
| Allowance for loan losses | 2,829,000 | 2,928,000 | 2,802,000 | 2,715,000 |
| Securities available for sale | 22,145,000 | 21,627,000 | 23,434,000 | 24,045,000 |
| Securities held to maturity | 145,000 | 145,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 208,673,000 | 210,689,000 | 209,296,000 | 204,492,000 |
| Interest-bearing deposits | 192,204,000 | 191,968,000 | 192,559,000 | 185,357,000 |
| Noninterest-bearing deposits | 16,468,000 | 18,721,000 | 16,737,000 | 19,135,000 |
| Equity capital | 22,859,000 | 22,909,000 | 23,542,000 | 23,703,000 |
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 | 3,322,000 | 6,565,000 | 9,915,000 | 13,226,000 |
| Interest expense | 1,428,000 | 2,835,000 | 4,304,000 | 5,754,000 |
| Net interest income | 1,894,000 | 3,730,000 | 5,611,000 | 7,472,000 |
| Noninterest income | 334,000 | 690,000 | 956,000 | 1,282,000 |
| Noninterest expense | 1,149,000 | 2,321,000 | 3,483,000 | 4,870,000 |
| Provision for loan losses | 105,000 | 210,000 | 210,000 | 215,000 |
| Pretax income | 974,000 | 1,893,000 | 2,878,000 | 3,673,000 |
| Income tax | 2,000 | 15,000 | 28,000 | 53,000 |
| Net income | 972,000 | 1,878,000 | 2,850,000 | 3,620,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,295,000 | 22,701,000 | 23,173,000 | 23,421,000 |
| Total capital | 24,963,000 | 25,309,000 | 25,609,000 | 25,906,000 |
| Risk-weighted assets | 213,296,000 | 208,375,000 | 194,504,000 | 198,546,000 |