Call reports 2002
PEOPLES STATE BANK — 2002
What PEOPLES STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 60,015,000 | 60,335,000 | 61,955,000 | 62,986,000 |
| Total loans | 28,442,000 | 29,226,000 | 30,646,000 | 31,215,000 |
| Allowance for loan losses | 365,000 | 373,000 | 389,000 | 404,000 |
| Securities available for sale | 23,253,000 | 23,605,000 | 22,067,000 | 26,283,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,495,000 | 45,067,000 | 45,636,000 | 46,185,000 |
| Interest-bearing deposits | 42,248,000 | 41,244,000 | 40,989,000 | 42,063,000 |
| Noninterest-bearing deposits | 4,247,000 | 3,823,000 | 4,647,000 | 4,122,000 |
| Equity capital | 5,436,000 | 5,791,000 | 5,898,000 | 6,043,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 926,000 | 1,865,000 | 2,793,000 | 3,723,000 |
| Interest expense | 450,000 | 893,000 | 1,330,000 | 1,784,000 |
| Net interest income | 476,000 | 972,000 | 1,463,000 | 1,939,000 |
| Noninterest income | 82,000 | 172,000 | 263,000 | 367,000 |
| Noninterest expense | 344,000 | 734,000 | 1,130,000 | 1,516,000 |
| Provision for loan losses | 15,000 | 20,000 | 35,000 | 50,000 |
| Pretax income | 199,000 | 446,000 | 691,000 | 870,000 |
| Income tax | 66,000 | 153,000 | 238,000 | 292,000 |
| Net income | 133,000 | 293,000 | 453,000 | 578,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,365,000 | 5,525,000 | 5,607,000 | 5,733,000 |
| Total capital | 5,730,000 | 5,898,000 | 5,996,000 | 6,137,000 |
| Risk-weighted assets | 33,783,000 | 34,091,000 | 35,154,000 | 36,199,000 |