Call reports 2003
PLEASANTS COUNTY BANK, THE — 2003
What PLEASANTS COUNTY BANK, THE 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 | 46,704,000 | 48,200,000 | 51,805,000 | 49,365,000 |
| Total loans | 24,779,000 | 24,206,000 | 23,869,000 | 23,262,000 |
| Allowance for loan losses | 322,000 | 306,000 | 298,000 | 298,000 |
| Securities available for sale | 11,285,000 | 16,359,000 | 18,283,000 | 18,746,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,433,000 | 41,839,000 | 45,477,000 | 43,160,000 |
| Interest-bearing deposits | 34,118,000 | 34,879,000 | 36,912,000 | 36,076,000 |
| Noninterest-bearing deposits | 6,315,000 | 6,960,000 | 8,565,000 | 7,084,000 |
| Equity capital | 6,168,000 | 6,302,000 | 6,283,000 | 6,155,000 |
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 | 700,000 | 1,355,000 | 2,001,000 | 2,629,000 |
| Interest expense | 172,000 | 334,000 | 472,000 | 600,000 |
| Net interest income | 528,000 | 1,021,000 | 1,529,000 | 2,029,000 |
| Noninterest income | 28,000 | 49,000 | 72,000 | 97,000 |
| Noninterest expense | 358,000 | 727,000 | 1,079,000 | 1,468,000 |
| Provision for loan losses | 18,000 | 24,000 | 42,000 | 54,000 |
| Pretax income | 180,000 | 319,000 | 480,000 | 604,000 |
| Income tax | 63,000 | 114,000 | 167,000 | 195,000 |
| Net income | 117,000 | 205,000 | 313,000 | 409,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,145,000 | 6,193,000 | 6,262,000 | 6,157,000 |
| Total capital | 6,467,000 | 6,499,000 | 6,560,000 | 6,455,000 |
| Risk-weighted assets | 26,328,000 | 26,408,000 | 26,809,000 | 25,863,000 |