Call reports 2003
PIQUA STATE BANK — 2003
What PIQUA 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 | 20,949,000 | 21,239,000 | 21,517,000 | 21,907,000 |
| Total loans | 9,300,000 | 9,444,000 | 9,552,000 | 9,336,000 |
| Allowance for loan losses | 183,000 | 185,000 | 187,000 | 174,000 |
| Securities available for sale | 5,968,000 | 5,984,000 | 6,479,000 | 6,764,000 |
| Securities held to maturity | 3,186,000 | 3,397,000 | 3,256,000 | 3,348,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,588,000 | 18,762,000 | 19,047,000 | 19,525,000 |
| Interest-bearing deposits | 14,680,000 | 15,389,000 | 15,196,000 | 15,288,000 |
| Noninterest-bearing deposits | 3,908,000 | 3,373,000 | 3,851,000 | 4,237,000 |
| Equity capital | 2,190,000 | 2,252,000 | 2,281,000 | 2,225,000 |
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 | 287,000 | 564,000 | 843,000 | 1,113,000 |
| Interest expense | 74,000 | 144,000 | 211,000 | 275,000 |
| Net interest income | 213,000 | 420,000 | 632,000 | 838,000 |
| Noninterest income | 28,000 | 64,000 | 123,000 | 153,000 |
| Noninterest expense | 164,000 | 340,000 | 525,000 | 751,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 77,000 | 144,000 | 230,000 | 240,000 |
| Income tax | 12,000 | 27,000 | 34,000 | 18,000 |
| Net income | 65,000 | 117,000 | 196,000 | 222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,086,000 | 2,138,000 | 2,217,000 | 2,176,000 |
| Total capital | 2,236,000 | 2,289,000 | 2,370,000 | 2,329,000 |
| Risk-weighted assets | 11,938,000 | 12,086,000 | 12,218,000 | 12,257,000 |