Call reports 2003
PEOPLES BANK OF GRACEVILLE — 2003
What PEOPLES BANK OF GRACEVILLE 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 | 47,898,000 | 49,177,000 | 47,906,000 | 51,075,000 |
| Total loans | 14,863,000 | 15,298,000 | 15,803,000 | 16,043,000 |
| Allowance for loan losses | 228,000 | 232,000 | 234,000 | 238,000 |
| Securities available for sale | 25,349,000 | 25,637,000 | 24,787,000 | 26,182,000 |
| Securities held to maturity | 3,420,000 | 3,276,000 | 3,258,000 | 2,943,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,239,000 | 38,410,000 | 37,374,000 | 40,493,000 |
| Interest-bearing deposits | 29,437,000 | 30,745,000 | 29,514,000 | 32,267,000 |
| Noninterest-bearing deposits | 7,802,000 | 7,665,000 | 7,860,000 | 8,226,000 |
| Equity capital | 10,168,000 | 10,258,000 | 9,996,000 | 9,951,000 |
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 | 573,000 | 1,122,000 | 1,673,000 | 2,259,000 |
| Interest expense | 152,000 | 290,000 | 424,000 | 556,000 |
| Net interest income | 421,000 | 832,000 | 1,249,000 | 1,703,000 |
| Noninterest income | 101,000 | 212,000 | 326,000 | 442,000 |
| Noninterest expense | 264,000 | 526,000 | 782,000 | 1,061,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 255,000 | 528,000 | 800,000 | 1,088,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 255,000 | 528,000 | 800,000 | 1,088,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,621,000 | 9,691,000 | 9,763,000 | 9,749,000 |
| Total capital | 9,849,000 | 9,923,000 | 9,997,000 | 9,987,000 |
| Risk-weighted assets | 19,790,000 | 20,633,000 | 20,707,000 | 21,074,000 |