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 | 22,191,000 | 26,029,000 | 27,529,000 | 30,383,000 |
| Total loans | 13,557,000 | 14,729,000 | 17,748,000 | 20,559,000 |
| Allowance for loan losses | 985,000 | 702,000 | 757,000 | 790,000 |
| Securities available for sale | 4,880,000 | 4,844,000 | 4,754,000 | 4,442,000 |
| Securities held to maturity | 1,050,000 | 1,048,000 | 1,047,000 | 1,065,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,204,000 | 23,427,000 | 24,806,000 | 27,545,000 |
| Interest-bearing deposits | 16,196,000 | 19,435,000 | 21,014,000 | 21,000,000 |
| Noninterest-bearing deposits | 4,008,000 | 3,992,000 | 3,792,000 | 6,545,000 |
| Equity capital | 1,869,000 | 2,242,000 | 2,334,000 | 2,362,000 |
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 | 332,000 | 734,000 | 1,161,000 | 1,609,000 |
| Interest expense | 79,000 | 191,000 | 325,000 | 492,000 |
| Net interest income | 253,000 | 543,000 | 836,000 | 1,117,000 |
| Noninterest income | 37,000 | 85,000 | 138,000 | 204,000 |
| Noninterest expense | 343,000 | 892,000 | 1,142,000 | 1,439,000 |
| Provision for loan losses | 30,000 | 530,000 | 529,000 | 529,000 |
| Pretax income | -83,000 | -794,000 | -697,000 | -647,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -83,000 | -794,000 | -697,000 | -647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,922,000 | 2,274,000 | 2,372,000 | 2,421,000 |
| Total capital | 2,102,000 | 2,468,000 | 2,600,000 | 2,671,000 |
| Risk-weighted assets | 13,627,000 | 15,034,000 | 17,678,000 | 19,456,000 |