Call reports 2003
PEOPLES STATE BANK — 2003
What PEOPLES STATE 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 | 55,675,000 | 54,452,000 | 53,895,000 | 54,654,000 |
| Total loans | 33,649,000 | 33,952,000 | 34,688,000 | 34,352,000 |
| Allowance for loan losses | 550,000 | 599,000 | 608,000 | 617,000 |
| Securities available for sale | 17,309,000 | 15,181,000 | 13,101,000 | 13,077,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,253,000 | 46,886,000 | 46,196,000 | 46,939,000 |
| Interest-bearing deposits | 44,626,000 | 43,173,000 | 43,048,000 | 41,673,000 |
| Noninterest-bearing deposits | 3,627,000 | 3,713,000 | 3,148,000 | 5,266,000 |
| Equity capital | 6,341,000 | 6,483,000 | 6,596,000 | 6,584,000 |
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 | 711,000 | 1,400,000 | 2,070,000 | 2,725,000 |
| Interest expense | 265,000 | 506,000 | 728,000 | 921,000 |
| Net interest income | 446,000 | 894,000 | 1,342,000 | 1,804,000 |
| Noninterest income | 81,000 | 129,000 | 207,000 | 154,000 |
| Noninterest expense | 298,000 | 579,000 | 890,000 | 1,353,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 251,000 | 469,000 | 678,000 | 614,000 |
| Income tax | 51,000 | 103,000 | 149,000 | 88,000 |
| Net income | 200,000 | 366,000 | 529,000 | 526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,221,000 | 6,407,000 | 6,529,000 | 6,524,000 |
| Total capital | 6,702,000 | 6,888,000 | 7,018,000 | 7,009,000 |
| Risk-weighted assets | 38,383,000 | 38,353,000 | 39,015,000 | 38,652,000 |
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