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 | 367,923,000 | 380,009,000 | 397,006,000 | 408,901,000 |
| Total loans | 259,264,000 | 279,053,000 | 301,516,000 | 308,082,000 |
| Allowance for loan losses | 3,315,000 | 3,517,000 | 3,692,000 | 3,536,000 |
| Securities available for sale | 75,852,000 | 72,681,000 | 69,938,000 | 72,425,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 293,062,000 | 304,243,000 | 310,170,000 | 317,291,000 |
| Interest-bearing deposits | 247,008,000 | 250,189,000 | 263,463,000 | 266,719,000 |
| Noninterest-bearing deposits | 46,054,000 | 54,054,000 | 46,707,000 | 50,572,000 |
| Equity capital | 29,838,000 | 30,651,000 | 31,304,000 | 31,734,000 |
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 | 5,293,000 | 10,551,000 | 15,792,000 | 21,030,000 |
| Interest expense | 2,062,000 | 4,054,000 | 5,989,000 | 7,873,000 |
| Net interest income | 3,231,000 | 6,497,000 | 9,803,000 | 13,157,000 |
| Noninterest income | 1,122,000 | 1,848,000 | 3,010,000 | 4,031,000 |
| Noninterest expense | 2,269,000 | 4,460,000 | 6,781,000 | 9,237,000 |
| Provision for loan losses | 225,000 | 465,000 | 705,000 | 835,000 |
| Pretax income | 1,859,000 | 3,420,000 | 5,308,000 | 7,196,000 |
| Income tax | 604,000 | 1,089,000 | 1,733,000 | 2,330,000 |
| Net income | 1,255,000 | 2,331,000 | 3,575,000 | 4,866,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,546,000 | 29,101,000 | 30,338,000 | 30,809,000 |
| Total capital | 31,861,000 | 32,618,000 | 34,030,000 | 34,345,000 |
| Risk-weighted assets | 276,164,000 | 293,271,000 | 310,997,000 | 318,736,000 |