Call reports 2002
PEOPLES BANK OF COFFEE COUNTY, THE — 2002
What PEOPLES BANK OF COFFEE COUNTY, THE 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 | 92,355,000 | 92,985,000 | 94,651,000 | 96,786,000 |
| Total loans | 63,816,000 | 64,127,000 | 62,131,000 | 62,835,000 |
| Allowance for loan losses | 875,000 | 799,000 | 928,000 | 1,069,000 |
| Securities available for sale | 14,442,000 | 16,649,000 | 17,997,000 | 19,578,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,653,000 | 76,097,000 | 77,635,000 | 79,869,000 |
| Interest-bearing deposits | 68,270,000 | 68,457,000 | 69,994,000 | 70,875,000 |
| Noninterest-bearing deposits | 7,383,000 | 7,640,000 | 7,641,000 | 8,994,000 |
| Equity capital | 12,050,000 | 12,184,000 | 12,315,000 | 12,449,000 |
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 | 1,469,000 | 2,913,000 | 4,368,000 | 5,843,000 |
| Interest expense | 738,000 | 1,440,000 | 2,114,000 | 2,743,000 |
| Net interest income | 731,000 | 1,473,000 | 2,254,000 | 3,100,000 |
| Noninterest income | 121,000 | 277,000 | 422,000 | 582,000 |
| Noninterest expense | 572,000 | 1,136,000 | 1,686,000 | 2,249,000 |
| Provision for loan losses | 420,000 | 740,000 | 1,260,000 | 1,380,000 |
| Pretax income | -140,000 | -112,000 | -256,000 | 67,000 |
| Income tax | -51,000 | -25,000 | -163,000 | -22,000 |
| Net income | -89,000 | -87,000 | -93,000 | 89,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,092,000 | 9,115,000 | 9,109,000 | 9,291,000 |
| Total capital | 9,913,000 | 9,914,000 | 9,928,000 | 10,113,000 |
| Risk-weighted assets | 65,649,000 | 66,301,000 | 65,431,000 | 65,541,000 |