Call reports 2003
PEOPLESSOUTH BANK — 2003
What PEOPLESSOUTH BANK 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 | 114,079,000 | 113,003,000 | 112,942,000 | 109,962,000 |
| Total loans | 81,171,000 | 88,878,000 | 92,264,000 | 88,688,000 |
| Allowance for loan losses | 952,000 | 1,037,000 | 993,000 | 1,023,000 |
| Securities available for sale | 14,876,000 | 10,658,000 | 10,627,000 | 11,283,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,310,000 | 99,725,000 | 99,382,000 | 101,097,000 |
| Interest-bearing deposits | 91,054,000 | 88,847,000 | 89,227,000 | 88,785,000 |
| Noninterest-bearing deposits | 9,256,000 | 10,878,000 | 10,155,000 | 12,312,000 |
| Equity capital | 7,553,000 | 7,899,000 | 8,153,000 | 8,456,000 |
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 | 1,566,000 | 3,133,000 | 4,778,000 | 6,341,000 |
| Interest expense | 698,000 | 1,373,000 | 2,011,000 | 2,574,000 |
| Net interest income | 868,000 | 1,760,000 | 2,767,000 | 3,767,000 |
| Noninterest income | 101,000 | 206,000 | 322,000 | 437,000 |
| Noninterest expense | 528,000 | 1,066,000 | 1,651,000 | 2,267,000 |
| Provision for loan losses | 105,000 | 190,000 | 265,000 | 315,000 |
| Pretax income | 336,000 | 711,000 | 1,191,000 | 1,640,000 |
| Income tax | 102,000 | 224,000 | 383,000 | 530,000 |
| Net income | 234,000 | 487,000 | 808,000 | 1,110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,348,000 | 7,601,000 | 7,957,000 | 8,259,000 |
| Total capital | 8,300,000 | 8,638,000 | 8,950,000 | 9,282,000 |
| Risk-weighted assets | 82,854,000 | 87,497,000 | 90,251,000 | 89,717,000 |
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