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 | 21,895,000 | 21,082,000 | 21,035,000 | 21,388,000 |
| Total loans | 11,832,000 | 11,903,000 | 12,325,000 | 10,270,000 |
| Allowance for loan losses | 695,000 | 723,000 | 633,000 | 1,148,000 |
| Securities available for sale | 4,303,000 | 4,960,000 | 5,592,000 | 5,470,000 |
| Securities held to maturity | 1,057,000 | 1,054,000 | 1,053,000 | 1,051,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,009,000 | 19,251,000 | 19,146,000 | 19,912,000 |
| Interest-bearing deposits | 15,731,000 | 15,623,000 | 15,386,000 | 15,679,000 |
| Noninterest-bearing deposits | 4,278,000 | 3,628,000 | 3,760,000 | 4,233,000 |
| Equity capital | 1,845,000 | 1,780,000 | 1,824,000 | 1,443,000 |
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 | 354,000 | 687,000 | 1,015,000 | 1,336,000 |
| Interest expense | 81,000 | 160,000 | 242,000 | 327,000 |
| Net interest income | 273,000 | 527,000 | 773,000 | 1,009,000 |
| Noninterest income | 52,000 | 105,000 | 152,000 | 203,000 |
| Noninterest expense | 265,000 | 534,000 | 825,000 | 1,072,000 |
| Provision for loan losses | 65,000 | 125,000 | 165,000 | 720,000 |
| Pretax income | -5,000 | 37,000 | -1,000 | -510,000 |
| Income tax | 0 | 0 | 0 | -140,000 |
| Net income | -5,000 | 37,000 | -1,000 | -370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,810,000 | 1,852,000 | 1,814,000 | 1,445,000 |
| Total capital | 1,977,000 | 2,021,000 | 1,984,000 | 1,599,000 |
| Risk-weighted assets | 12,867,000 | 12,938,000 | 13,103,000 | 11,292,000 |