Call reports 2003
PEOPLES INDEPENDENT BANK — 2003
What PEOPLES INDEPENDENT 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 | 96,171,000 | 101,068,000 | 107,322,000 | 116,934,000 |
| Total loans | 57,434,000 | 60,508,000 | 59,265,000 | 58,827,000 |
| Allowance for loan losses | 701,000 | 727,000 | 773,000 | 824,000 |
| Securities available for sale | 29,760,000 | 30,084,000 | 38,323,000 | 50,914,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,058,000 | 93,740,000 | 100,035,000 | 108,396,000 |
| Interest-bearing deposits | 81,202,000 | 84,910,000 | 91,669,000 | 98,470,000 |
| Noninterest-bearing deposits | 7,857,000 | 8,830,000 | 8,366,000 | 9,926,000 |
| Equity capital | 6,481,000 | 6,663,000 | 6,843,000 | 8,145,000 |
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 | 1,336,000 | 2,653,000 | 4,027,000 | 5,427,000 |
| Interest expense | 516,000 | 1,010,000 | 1,511,000 | 2,025,000 |
| Net interest income | 820,000 | 1,643,000 | 2,516,000 | 3,402,000 |
| Noninterest income | 118,000 | 226,000 | 341,000 | 444,000 |
| Noninterest expense | 563,000 | 1,143,000 | 1,740,000 | 2,365,000 |
| Provision for loan losses | 90,000 | 210,000 | 305,000 | 350,000 |
| Pretax income | 285,000 | 516,000 | 823,000 | 1,142,000 |
| Income tax | 97,000 | 175,000 | 280,000 | 313,000 |
| Net income | 188,000 | 341,000 | 543,000 | 829,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,907,000 | 6,084,000 | 6,487,000 | 7,773,000 |
| Total capital | 6,608,000 | 6,811,000 | 7,260,000 | 8,597,000 |
| Risk-weighted assets | 63,396,000 | 65,879,000 | 65,734,000 | 69,545,000 |
Machine access — free, no API key
Every figure shown here about PEOPLES INDEPENDENT BANK — 2003 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.