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 | 80,213,000 | 82,758,000 | 80,701,000 | 80,850,000 |
| Total loans | 59,738,000 | 60,511,000 | 61,901,000 | 62,119,000 |
| Allowance for loan losses | 806,000 | 770,000 | 765,000 | 737,000 |
| Securities available for sale | 7,817,000 | 7,333,000 | 7,808,000 | 7,340,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,033,000 | 73,186,000 | 71,322,000 | 71,629,000 |
| Interest-bearing deposits | 59,495,000 | 61,783,000 | 60,265,000 | 60,364,000 |
| Noninterest-bearing deposits | 11,538,000 | 11,403,000 | 11,057,000 | 11,265,000 |
| Equity capital | 8,611,000 | 8,758,000 | 8,814,000 | 8,762,000 |
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 | 1,114,000 | 2,258,000 | 3,354,000 | 4,458,000 |
| Interest expense | 305,000 | 604,000 | 876,000 | 1,135,000 |
| Net interest income | 809,000 | 1,654,000 | 2,478,000 | 3,323,000 |
| Noninterest income | 88,000 | 184,000 | 289,000 | 387,000 |
| Noninterest expense | 729,000 | 1,442,000 | 2,172,000 | 2,903,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 153,000 | 366,000 | 550,000 | 747,000 |
| Income tax | 40,000 | 100,000 | 150,000 | 201,000 |
| Net income | 113,000 | 266,000 | 400,000 | 546,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,472,000 | 8,599,000 | 8,707,000 | 8,670,000 |
| Total capital | 9,132,000 | 9,259,000 | 9,367,000 | 9,334,000 |
| Risk-weighted assets | 52,630,000 | 52,659,000 | 52,718,000 | 53,053,000 |