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 | 63,868,000 | 65,066,000 | 63,914,000 | 65,376,000 |
| Total loans | 32,406,000 | 34,425,000 | 34,696,000 | 34,726,000 |
| Allowance for loan losses | 414,000 | 446,000 | 470,000 | 452,000 |
| Securities available for sale | 24,171,000 | 23,856,000 | 25,493,000 | 24,105,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,447,000 | 49,108,000 | 47,066,000 | 47,640,000 |
| Interest-bearing deposits | 42,905,000 | 44,588,000 | 43,010,000 | 43,164,000 |
| Noninterest-bearing deposits | 4,542,000 | 4,520,000 | 4,056,000 | 4,476,000 |
| Equity capital | 6,217,000 | 6,509,000 | 6,260,000 | 6,381,000 |
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 | 894,000 | 1,762,000 | 2,649,000 | 3,551,000 |
| Interest expense | 410,000 | 808,000 | 1,183,000 | 1,534,000 |
| Net interest income | 484,000 | 954,000 | 1,466,000 | 2,017,000 |
| Noninterest income | 83,000 | 173,000 | 267,000 | 368,000 |
| Noninterest expense | 404,000 | 812,000 | 1,210,000 | 1,630,000 |
| Provision for loan losses | 15,000 | 45,000 | 85,000 | 115,000 |
| Pretax income | 148,000 | 272,000 | 440,000 | 640,000 |
| Income tax | 38,000 | 44,000 | 53,000 | 63,000 |
| Net income | 110,000 | 228,000 | 387,000 | 577,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,842,000 | 5,962,000 | 6,043,000 | 6,203,000 |
| Total capital | 6,256,000 | 6,408,000 | 6,513,000 | 6,655,000 |
| Risk-weighted assets | 38,204,000 | 38,680,000 | 38,924,000 | 39,514,000 |