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 | 403,097,000 | 416,904,000 | 408,797,000 | 401,551,000 |
| Total loans | 296,047,000 | 310,491,000 | 316,579,000 | 326,889,000 |
| Allowance for loan losses | 4,393,000 | 4,259,000 | 4,073,000 | 3,887,000 |
| Securities available for sale | 74,576,000 | 61,952,000 | 63,798,000 | 45,995,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 349,577,000 | 362,079,000 | 357,749,000 | 352,515,000 |
| Interest-bearing deposits | 290,586,000 | 293,423,000 | 290,998,000 | 293,489,000 |
| Noninterest-bearing deposits | 58,991,000 | 68,656,000 | 66,751,000 | 59,026,000 |
| Equity capital | 45,885,000 | 46,354,000 | 38,215,000 | 39,189,000 |
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 | 5,985,000 | 11,727,000 | 17,463,000 | 23,080,000 |
| Interest expense | 1,386,000 | 2,754,000 | 4,093,000 | 5,463,000 |
| Net interest income | 4,599,000 | 8,973,000 | 13,370,000 | 17,617,000 |
| Noninterest income | 1,134,000 | 2,418,000 | 3,789,000 | 4,884,000 |
| Noninterest expense | 4,285,000 | 8,581,000 | 12,854,000 | 16,814,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,448,000 | 2,810,000 | 4,305,000 | 5,850,000 |
| Income tax | 396,000 | 768,000 | 1,191,000 | 1,518,000 |
| Net income | 1,052,000 | 2,042,000 | 3,114,000 | 4,332,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,036,000 | 41,453,000 | 33,524,000 | 34,742,000 |
| Total capital | 44,592,000 | 45,154,000 | 37,249,000 | 38,545,000 |
| Risk-weighted assets | 283,648,000 | 295,548,000 | 297,671,000 | 304,134,000 |