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 | 19,273,000 | 19,456,000 | 19,309,000 | 20,291,000 |
| Total loans | 8,832,000 | 8,667,000 | 8,668,000 | 9,137,000 |
| Allowance for loan losses | 102,000 | 103,000 | 103,000 | 96,000 |
| Securities available for sale | 5,305,000 | 5,064,000 | 6,950,000 | 6,632,000 |
| Securities held to maturity | 1,050,000 | 999,000 | 999,000 | 798,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,334,000 | 16,432,000 | 16,509,000 | 17,383,000 |
| Interest-bearing deposits | 14,176,000 | 14,222,000 | 14,256,000 | 14,505,000 |
| Noninterest-bearing deposits | 2,158,000 | 2,210,000 | 2,253,000 | 2,878,000 |
| Equity capital | 2,783,000 | 2,854,000 | 2,684,000 | 2,737,000 |
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 | 240,000 | 511,000 | 768,000 | 1,027,000 |
| Interest expense | 101,000 | 198,000 | 286,000 | 368,000 |
| Net interest income | 139,000 | 313,000 | 482,000 | 659,000 |
| Noninterest income | 61,000 | 126,000 | 204,000 | 276,000 |
| Noninterest expense | 166,000 | 360,000 | 528,000 | 714,000 |
| Provision for loan losses | 0 | 0 | 0 | 38,000 |
| Pretax income | 34,000 | 79,000 | 158,000 | 183,000 |
| Income tax | 6,000 | 19,000 | 47,000 | 52,000 |
| Net income | 28,000 | 60,000 | 111,000 | 131,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,746,000 | 2,777,000 | 2,828,000 | 2,778,000 |
| Total capital | 2,848,000 | 2,880,000 | 2,931,000 | 2,874,000 |
| Risk-weighted assets | 9,246,000 | 19,438,000 | 9,469,000 | 10,257,000 |