Call reports 2002
PEOPLES STATE BANK — 2002
What PEOPLES STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 398,199,000 | 401,124,000 | 394,177,000 | 402,853,000 |
| Total loans | 278,184,000 | 282,082,000 | 287,460,000 | 289,228,000 |
| Allowance for loan losses | 5,628,000 | 5,677,000 | 4,829,000 | 4,632,000 |
| Securities available for sale | 78,549,000 | 80,006,000 | 79,068,000 | 85,934,000 |
| Securities held to maturity | 3,775,000 | 3,775,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 347,348,000 | 349,156,000 | 339,419,000 | 339,506,000 |
| Interest-bearing deposits | 298,209,000 | 302,341,000 | 287,134,000 | 289,566,000 |
| Noninterest-bearing deposits | 49,139,000 | 46,815,000 | 52,285,000 | 49,940,000 |
| Equity capital | 42,604,000 | 43,953,000 | 45,070,000 | 45,473,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 6,498,000 | 13,094,000 | 19,432,000 | 25,622,000 |
| Interest expense | 1,883,000 | 3,749,000 | 5,369,000 | 6,817,000 |
| Net interest income | 4,615,000 | 9,345,000 | 14,063,000 | 18,805,000 |
| Noninterest income | 754,000 | 1,605,000 | 2,484,000 | 3,750,000 |
| Noninterest expense | 3,944,000 | 7,932,000 | 11,905,000 | 16,092,000 |
| Provision for loan losses | 0 | -500,000 | -800,000 | -800,000 |
| Pretax income | 1,425,000 | 3,532,000 | 5,518,000 | 7,339,000 |
| Income tax | 364,000 | 961,000 | 1,530,000 | 2,050,000 |
| Net income | 1,061,000 | 2,571,000 | 3,988,000 | 5,289,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,962,000 | 38,997,000 | 39,941,000 | 40,455,000 |
| Total capital | 41,405,000 | 42,462,000 | 43,429,000 | 43,994,000 |
| Risk-weighted assets | 273,218,000 | 275,025,000 | 277,691,000 | 282,257,000 |