Call reports 2002
PEOPLES STATE BANK, THE — 2002
What PEOPLES STATE BANK, THE 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 | 114,689,000 | 112,116,000 | 112,145,000 | 111,957,000 |
| Total loans | 58,657,000 | 58,942,000 | 60,013,000 | 62,379,000 |
| Allowance for loan losses | 855,000 | 1,360,000 | 1,441,000 | 830,000 |
| Securities available for sale | 27,043,000 | 27,118,000 | 23,578,000 | 23,009,000 |
| Securities held to maturity | 10,547,000 | 8,772,000 | 8,713,000 | 8,532,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,147,000 | 98,876,000 | 98,583,000 | 98,444,000 |
| Interest-bearing deposits | 85,700,000 | 82,735,000 | 82,144,000 | 81,977,000 |
| Noninterest-bearing deposits | 15,447,000 | 16,141,000 | 16,439,000 | 16,467,000 |
| Equity capital | 12,930,000 | 12,752,000 | 12,982,000 | 13,134,000 |
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 | 1,756,000 | 3,443,000 | 5,086,000 | 6,639,000 |
| Interest expense | 573,000 | 1,064,000 | 1,515,000 | 1,914,000 |
| Net interest income | 1,183,000 | 2,379,000 | 3,571,000 | 4,725,000 |
| Noninterest income | 236,000 | 478,000 | 704,000 | 946,000 |
| Noninterest expense | 963,000 | 1,934,000 | 2,837,000 | 4,000,000 |
| Provision for loan losses | 140,000 | 1,128,000 | 1,222,000 | 1,307,000 |
| Pretax income | 316,000 | -205,000 | 216,000 | 364,000 |
| Income tax | 107,000 | -70,000 | 89,000 | 52,000 |
| Net income | 209,000 | -135,000 | 127,000 | 312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,748,000 | 12,404,000 | 12,666,000 | 12,851,000 |
| Total capital | 13,603,000 | 13,259,000 | 13,530,000 | 13,681,000 |
| Risk-weighted assets | 68,884,000 | 67,891,000 | 68,528,000 | 69,464,000 |