Call reports 2002
PEOPLES STATE BANK — 2002
What PEOPLES STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 55,460,000 | 54,586,000 | 53,519,000 | 55,160,000 |
| Total loans | 32,796,000 | 35,314,000 | 35,951,000 | 35,109,000 |
| Allowance for loan losses | 536,000 | 542,000 | 532,000 | 541,000 |
| Securities available for sale | 15,448,000 | 12,402,000 | 12,466,000 | 14,269,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,889,000 | 46,907,000 | 45,588,000 | 47,158,000 |
| Interest-bearing deposits | 44,412,000 | 43,988,000 | 42,446,000 | 42,803,000 |
| Noninterest-bearing deposits | 3,477,000 | 2,919,000 | 3,142,000 | 4,355,000 |
| Equity capital | 6,482,000 | 6,597,000 | 6,839,000 | 6,892,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 837,000 | 1,636,000 | 2,423,000 | 3,207,000 |
| Interest expense | 398,000 | 741,000 | 1,048,000 | 1,330,000 |
| Net interest income | 439,000 | 895,000 | 1,375,000 | 1,877,000 |
| Noninterest income | 64,000 | 111,000 | 164,000 | 199,000 |
| Noninterest expense | 290,000 | 566,000 | 858,000 | 1,345,000 |
| Provision for loan losses | 6,000 | 12,000 | 20,000 | 29,000 |
| Pretax income | 244,000 | 492,000 | 725,000 | 762,000 |
| Income tax | 45,000 | 111,000 | 166,000 | 151,000 |
| Net income | 199,000 | 381,000 | 559,000 | 611,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,338,000 | 6,477,000 | 6,671,000 | 6,733,000 |
| Total capital | 6,811,000 | 6,984,000 | 7,170,000 | 7,227,000 |
| Risk-weighted assets | 37,747,000 | 40,547,000 | 40,184,000 | 39,833,000 |