Call reports 2003
PEOPLES NATIONAL BANK, NATIONAL ASSOCIATION — 2003
What PEOPLES NATIONAL BANK, NATIONAL ASSOCIATION 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 | 423,272,000 | 428,039,000 | 431,325,000 | 442,298,000 |
| Total loans | 302,592,000 | 309,474,000 | 314,914,000 | 328,042,000 |
| Allowance for loan losses | 3,523,000 | 3,487,000 | 3,572,000 | 3,559,000 |
| Securities available for sale | 76,358,000 | 82,289,000 | 77,351,000 | 69,396,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 359,903,000 | 361,747,000 | 359,188,000 | 368,748,000 |
| Interest-bearing deposits | 319,718,000 | 318,668,000 | 319,914,000 | 323,843,000 |
| Noninterest-bearing deposits | 40,185,000 | 43,078,000 | 39,274,000 | 44,905,000 |
| Equity capital | 32,049,000 | 33,304,000 | 32,662,000 | 33,431,000 |
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 | 5,771,000 | 11,594,000 | 17,230,000 | 22,936,000 |
| Interest expense | 2,123,000 | 4,104,000 | 5,938,000 | 7,782,000 |
| Net interest income | 3,648,000 | 7,490,000 | 11,292,000 | 15,154,000 |
| Noninterest income | 1,351,000 | 2,859,000 | 4,154,000 | 5,031,000 |
| Noninterest expense | 3,363,000 | 6,993,000 | 10,900,000 | 14,802,000 |
| Provision for loan losses | 195,000 | 460,000 | 656,000 | 990,000 |
| Pretax income | 1,447,000 | 2,929,000 | 3,959,000 | 4,670,000 |
| Income tax | 12,000 | 29,000 | 44,000 | 54,000 |
| Net income | 1,435,000 | 2,900,000 | 3,915,000 | 4,616,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,475,000 | 31,316,000 | 31,716,000 | 32,393,000 |
| Total capital | 33,998,000 | 34,803,000 | 35,288,000 | 35,952,000 |
| Risk-weighted assets | 322,227,000 | 330,089,000 | 335,043,000 | 348,074,000 |
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