Call reports 2003
PEOPLES STATE BANK OF VELVA — 2003
What PEOPLES STATE BANK OF VELVA 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 | 27,538,000 | 26,231,000 | 26,101,000 | 26,149,000 |
| Total loans | 11,971,000 | 13,496,000 | 14,179,000 | 13,780,000 |
| Allowance for loan losses | 272,000 | 275,000 | 280,000 | 280,000 |
| Securities available for sale | 12,362,000 | 10,934,000 | 9,828,000 | 10,393,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,843,000 | 21,528,000 | 21,402,000 | 21,418,000 |
| Interest-bearing deposits | 20,124,000 | 18,736,000 | 18,412,000 | 18,240,000 |
| Noninterest-bearing deposits | 2,719,000 | 2,792,000 | 2,990,000 | 3,178,000 |
| Equity capital | 4,572,000 | 4,577,000 | 4,554,000 | 4,618,000 |
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 | 333,000 | 639,000 | 956,000 | 1,270,000 |
| Interest expense | 114,000 | 219,000 | 309,000 | 387,000 |
| Net interest income | 219,000 | 420,000 | 647,000 | 883,000 |
| Noninterest income | 15,000 | 30,000 | 45,000 | 59,000 |
| Noninterest expense | 177,000 | 359,000 | 539,000 | 692,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 11,000 |
| Pretax income | 54,000 | 85,000 | 144,000 | 239,000 |
| Income tax | 3,000 | 6,000 | 9,000 | 11,000 |
| Net income | 51,000 | 79,000 | 135,000 | 228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,293,000 | 4,278,000 | 4,312,000 | 4,405,000 |
| Total capital | 4,479,000 | 4,457,000 | 4,497,000 | 4,591,000 |
| Risk-weighted assets | 14,799,000 | 14,205,000 | 14,707,000 | 14,749,000 |
Machine access — free, no API key
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