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 | 17,709,000 | 18,197,000 | 17,923,000 | 18,586,000 |
| Total loans | 9,513,000 | 9,474,000 | 9,610,000 | 9,082,000 |
| Allowance for loan losses | 99,000 | 102,000 | 102,000 | 102,000 |
| Securities available for sale | 2,389,000 | 2,579,000 | 2,611,000 | 2,131,000 |
| Securities held to maturity | 1,761,000 | 1,701,000 | 1,400,000 | 1,250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,926,000 | 15,291,000 | 14,980,000 | 15,621,000 |
| Interest-bearing deposits | 12,763,000 | 13,327,000 | 12,996,000 | 13,148,000 |
| Noninterest-bearing deposits | 2,163,000 | 1,964,000 | 1,984,000 | 2,473,000 |
| Equity capital | 2,624,000 | 2,742,000 | 2,798,000 | 2,762,000 |
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 | 277,000 | 554,000 | 827,000 | 1,090,000 |
| Interest expense | 121,000 | 235,000 | 346,000 | 450,000 |
| Net interest income | 156,000 | 319,000 | 481,000 | 640,000 |
| Noninterest income | 72,000 | 120,000 | 186,000 | 249,000 |
| Noninterest expense | 168,000 | 334,000 | 491,000 | 674,000 |
| Provision for loan losses | 0 | 2,000 | 4,000 | 2,000 |
| Pretax income | 60,000 | 103,000 | 172,000 | 213,000 |
| Income tax | 17,000 | 33,000 | 54,000 | 64,000 |
| Net income | 43,000 | 70,000 | 118,000 | 149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,680,000 | 2,710,000 | 2,757,000 | 2,718,000 |
| Total capital | 2,779,000 | 2,812,000 | 2,859,000 | 2,820,000 |
| Risk-weighted assets | 17,864,000 | 18,267,000 | 17,961,000 | 18,605,000 |