Call reports 2003
PS BANK — 2003
What PS 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 | 159,968,000 | 162,241,000 | 160,495,000 | 157,791,000 |
| Total loans | 91,029,000 | 92,191,000 | 97,514,000 | 100,560,000 |
| Allowance for loan losses | 895,000 | 897,000 | 936,000 | 1,074,000 |
| Securities available for sale | 50,222,000 | 52,291,000 | 51,105,000 | 41,997,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,716,000 | 123,471,000 | 119,092,000 | 119,447,000 |
| Interest-bearing deposits | 103,894,000 | 103,523,000 | 101,120,000 | 100,293,000 |
| Noninterest-bearing deposits | 17,822,000 | 19,948,000 | 17,972,000 | 19,154,000 |
| Equity capital | 12,223,000 | 12,656,000 | 12,444,000 | 12,318,000 |
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 | 2,348,000 | 4,692,000 | 7,017,000 | 9,291,000 |
| Interest expense | 979,000 | 1,903,000 | 2,750,000 | 3,531,000 |
| Net interest income | 1,369,000 | 2,789,000 | 4,267,000 | 5,760,000 |
| Noninterest income | 276,000 | 568,000 | 888,000 | 1,183,000 |
| Noninterest expense | 1,164,000 | 2,417,000 | 3,641,000 | 4,969,000 |
| Provision for loan losses | 60,000 | 120,000 | 220,000 | 490,000 |
| Pretax income | 544,000 | 943,000 | 1,417,000 | 1,657,000 |
| Income tax | 136,000 | 236,000 | 354,000 | 271,000 |
| Net income | 408,000 | 707,000 | 1,063,000 | 1,386,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,102,000 | 11,228,000 | 11,403,000 | 11,439,000 |
| Total capital | 11,997,000 | 12,125,000 | 12,339,000 | 12,513,000 |
| Risk-weighted assets | 99,647,000 | 102,393,000 | 105,668,000 | 106,663,000 |