Call reports 2003
PEOPLES STATE BANK, THE — 2003
What PEOPLES STATE 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 | 115,284,000 | 114,154,000 | 113,247,000 | 114,084,000 |
| Total loans | 56,763,000 | 53,890,000 | 53,733,000 | 56,608,000 |
| Allowance for loan losses | 626,000 | 599,000 | 614,000 | 717,000 |
| Securities available for sale | 32,818,000 | 36,308,000 | 32,787,000 | 33,062,000 |
| Securities held to maturity | 10,967,000 | 12,735,000 | 12,240,000 | 10,804,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,677,000 | 100,332,000 | 99,842,000 | 101,007,000 |
| Interest-bearing deposits | 84,151,000 | 83,455,000 | 67,243,000 | 83,363,000 |
| Noninterest-bearing deposits | 17,526,000 | 16,877,000 | 32,599,000 | 17,644,000 |
| Equity capital | 13,329,000 | 13,501,000 | 13,084,000 | 12,821,000 |
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 | 1,500,000 | 2,923,000 | 4,219,000 | 5,604,000 |
| Interest expense | 365,000 | 711,000 | 1,022,000 | 1,307,000 |
| Net interest income | 1,135,000 | 2,212,000 | 3,197,000 | 4,297,000 |
| Noninterest income | 229,000 | 452,000 | 685,000 | 915,000 |
| Noninterest expense | 1,017,000 | 2,012,000 | 2,968,000 | 4,165,000 |
| Provision for loan losses | 64,000 | 159,000 | 240,000 | 411,000 |
| Pretax income | 350,000 | 561,000 | 742,000 | 664,000 |
| Income tax | 0 | 31,000 | 65,000 | 65,000 |
| Net income | 350,000 | 530,000 | 677,000 | 599,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,201,000 | 13,379,000 | 13,296,000 | 12,932,000 |
| Total capital | 13,828,000 | 13,978,000 | 13,910,000 | 13,649,000 |
| Risk-weighted assets | 64,101,000 | 60,956,000 | 62,488,000 | 65,387,000 |
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