Call reports 2003
PEOPLES BANK OF COFFEE COUNTY, THE — 2003
What PEOPLES BANK OF COFFEE COUNTY, THE 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 | 98,105,000 | 98,988,000 | 101,196,000 | 99,887,000 |
| Total loans | 61,146,000 | 64,126,000 | 65,301,000 | 63,911,000 |
| Allowance for loan losses | 1,167,000 | 1,118,000 | 1,256,000 | 1,465,000 |
| Securities available for sale | 21,035,000 | 22,775,000 | 22,364,000 | 21,824,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,003,000 | 81,521,000 | 83,606,000 | 82,352,000 |
| Interest-bearing deposits | 72,371,000 | 73,319,000 | 74,936,000 | 72,819,000 |
| Noninterest-bearing deposits | 8,632,000 | 8,202,000 | 8,670,000 | 9,533,000 |
| Equity capital | 12,611,000 | 12,981,000 | 12,866,000 | 13,008,000 |
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 | 1,405,000 | 2,812,000 | 4,228,000 | 5,726,000 |
| Interest expense | 587,000 | 1,160,000 | 1,708,000 | 2,227,000 |
| Net interest income | 818,000 | 1,652,000 | 2,520,000 | 3,499,000 |
| Noninterest income | 157,000 | 307,000 | 453,000 | 536,000 |
| Noninterest expense | 561,000 | 1,134,000 | 1,671,000 | 2,230,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 510,000 |
| Pretax income | 294,000 | 585,000 | 942,000 | 1,294,000 |
| Income tax | 77,000 | 148,000 | 245,000 | 347,000 |
| Net income | 217,000 | 437,000 | 697,000 | 947,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,508,000 | 9,729,000 | 9,803,000 | 9,874,000 |
| Total capital | 10,325,000 | 10,578,000 | 10,678,000 | 10,738,000 |
| Risk-weighted assets | 64,996,000 | 67,571,000 | 69,497,000 | 68,397,000 |