Call reports 2003
PERSONS BANKING COMPANY — 2003
What PERSONS BANKING COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 59,036,000 | 60,601,000 | 60,324,000 | 61,193,000 |
| Total loans | 39,630,000 | 41,058,000 | 42,306,000 | 44,894,000 |
| Allowance for loan losses | 637,000 | 677,000 | 715,000 | 712,000 |
| Securities available for sale | 10,671,000 | 8,836,000 | 7,770,000 | 9,529,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,979,000 | 49,728,000 | 50,741,000 | 49,185,000 |
| Interest-bearing deposits | 39,450,000 | 37,911,000 | 38,519,000 | 36,386,000 |
| Noninterest-bearing deposits | 11,529,000 | 11,817,000 | 12,222,000 | 12,799,000 |
| Equity capital | 7,991,000 | 8,056,000 | 8,187,000 | 8,185,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 830,000 | 1,606,000 | 2,400,000 | 3,200,000 |
| Interest expense | 178,000 | 342,000 | 491,000 | 628,000 |
| Net interest income | 652,000 | 1,264,000 | 1,909,000 | 2,572,000 |
| Noninterest income | 96,000 | 243,000 | 378,000 | 519,000 |
| Noninterest expense | 460,000 | 938,000 | 1,456,000 | 1,992,000 |
| Provision for loan losses | 36,000 | 74,000 | 100,000 | 100,000 |
| Pretax income | 252,000 | 493,000 | 729,000 | 997,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 252,000 | 493,000 | 729,000 | 997,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,963,000 | 3,982,000 | 4,218,000 | 4,223,000 |
| Total capital | 4,472,000 | 4,507,000 | 4,753,000 | 4,779,000 |
| Risk-weighted assets | 40,610,000 | 41,836,000 | 42,590,000 | 44,352,000 |
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