Call reports 2003
PEOPLES HOME SAVINGS BANK — 2003
What PEOPLES HOME SAVINGS 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 | 337,608,000 | 313,434,000 | 331,572,000 | 331,251,000 |
| Total loans | 168,723,000 | 149,560,000 | 160,724,000 | 155,236,000 |
| Allowance for loan losses | 1,704,000 | 1,712,000 | 1,714,000 | 1,648,000 |
| Securities available for sale | 48,807,000 | 55,828,000 | 82,272,000 | 95,403,000 |
| Securities held to maturity | 99,613,000 | 85,005,000 | 70,233,000 | 63,796,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 238,693,000 | 219,615,000 | 232,495,000 | 232,976,000 |
| Interest-bearing deposits | 217,553,000 | 198,475,000 | 210,009,000 | 210,781,000 |
| Noninterest-bearing deposits | 21,140,000 | 21,140,000 | 22,486,000 | 22,195,000 |
| Equity capital | 40,404,000 | 39,603,000 | 39,598,000 | 37,794,000 |
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 | 4,741,000 | 9,148,000 | 13,161,000 | 17,330,000 |
| Interest expense | 2,339,000 | 4,611,000 | 6,684,000 | 8,744,000 |
| Net interest income | 2,402,000 | 4,537,000 | 6,477,000 | 8,586,000 |
| Noninterest income | 228,000 | 480,000 | 739,000 | 998,000 |
| Noninterest expense | 1,826,000 | 3,580,000 | 5,348,000 | 7,115,000 |
| Provision for loan losses | 190,000 | 370,000 | 500,000 | 620,000 |
| Pretax income | 759,000 | 1,280,000 | 1,732,000 | 2,351,000 |
| Income tax | 150,000 | 202,000 | 274,000 | 409,000 |
| Net income | 609,000 | 1,078,000 | 1,458,000 | 1,942,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,705,000 | 38,174,000 | 38,554,000 | 37,038,000 |
| Total capital | 40,409,000 | 39,886,000 | 40,268,000 | 38,686,000 |
| Risk-weighted assets | 158,170,000 | 146,285,000 | 153,759,000 | 164,496,000 |