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 | 255,169,000 | 262,389,000 | 270,814,000 | 279,944,000 |
| Total loans | 213,157,000 | 222,945,000 | 230,559,000 | 238,220,000 |
| Allowance for loan losses | 2,829,000 | 2,903,000 | 3,010,000 | 3,053,000 |
| Securities available for sale | 24,480,000 | 24,350,000 | 24,076,000 | 24,322,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,985,000 | 221,624,000 | 223,582,000 | 240,967,000 |
| Interest-bearing deposits | 204,443,000 | 204,751,000 | 206,232,000 | 219,342,000 |
| Noninterest-bearing deposits | 17,542,000 | 16,873,000 | 17,350,000 | 21,625,000 |
| Equity capital | 24,038,000 | 24,905,000 | 25,410,000 | 25,486,000 |
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 | 3,448,000 | 7,146,000 | 11,154,000 | 15,199,000 |
| Interest expense | 1,558,000 | 3,232,000 | 5,075,000 | 7,050,000 |
| Net interest income | 1,890,000 | 3,914,000 | 6,079,000 | 8,149,000 |
| Noninterest income | 307,000 | 629,000 | 950,000 | 1,267,000 |
| Noninterest expense | 1,152,000 | 2,345,000 | 3,562,000 | 4,877,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 992,000 | 2,045,000 | 3,209,000 | 4,176,000 |
| Income tax | 0 | 9,000 | 17,000 | 33,000 |
| Net income | 992,000 | 2,036,000 | 3,192,000 | 4,143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,175,000 | 24,771,000 | 25,466,000 | 25,879,000 |
| Total capital | 26,747,000 | 27,469,000 | 28,276,000 | 28,781,000 |
| Risk-weighted assets | 205,473,000 | 215,620,000 | 224,623,000 | 232,022,000 |