Call reports 2003
PEOPLES COMMUNITY BANK — 2003
What PEOPLES COMMUNITY 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 | 93,968,000 | 98,365,000 | 97,768,000 | 96,290,000 |
| Total loans | 70,888,000 | 74,107,000 | 76,181,000 | 78,044,000 |
| Allowance for loan losses | 915,000 | 932,000 | 943,000 | 930,000 |
| Securities available for sale | 2,022,000 | 1,845,000 | 1,656,000 | 1,628,000 |
| Securities held to maturity | 1,954,000 | 1,932,000 | 1,366,000 | 1,359,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,022,000 | 89,281,000 | 88,527,000 | 87,103,000 |
| Interest-bearing deposits | 74,393,000 | 75,722,000 | 76,628,000 | 76,431,000 |
| Noninterest-bearing deposits | 10,629,000 | 13,559,000 | 11,899,000 | 10,672,000 |
| Equity capital | 8,297,000 | 8,512,000 | 8,617,000 | 8,731,000 |
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 | 1,409,000 | 2,827,000 | 4,247,000 | 5,668,000 |
| Interest expense | 402,000 | 794,000 | 1,162,000 | 1,502,000 |
| Net interest income | 1,007,000 | 2,033,000 | 3,085,000 | 4,166,000 |
| Noninterest income | 138,000 | 266,000 | 377,000 | 521,000 |
| Noninterest expense | 694,000 | 1,438,000 | 2,261,000 | 3,056,000 |
| Provision for loan losses | 45,000 | 90,000 | 125,000 | 165,000 |
| Pretax income | 410,000 | 778,000 | 1,086,000 | 1,476,000 |
| Income tax | 110,000 | 195,000 | 265,000 | 453,000 |
| Net income | 300,000 | 583,000 | 821,000 | 1,023,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,216,000 | 8,427,000 | 8,570,000 | 8,693,000 |
| Total capital | 8,980,000 | 9,211,000 | 9,368,000 | 9,510,000 |
| Risk-weighted assets | 60,937,000 | 62,564,000 | 63,700,000 | 65,287,000 |