Call reports 2003
PEARLAND STATE BANK — 2003
What PEARLAND 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 | 118,720,000 | 119,683,000 | 119,544,000 | 117,216,000 |
| Total loans | 45,389,000 | 45,443,000 | 44,687,000 | 42,572,000 |
| Allowance for loan losses | 540,000 | 499,000 | 540,000 | 320,000 |
| Securities available for sale | 54,432,000 | 59,206,000 | 59,160,000 | 60,698,000 |
| Securities held to maturity | 6,525,000 | 5,116,000 | 4,588,000 | 4,367,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,095,000 | 103,532,000 | 103,944,000 | 101,041,000 |
| Interest-bearing deposits | 72,315,000 | 74,280,000 | 73,000,000 | 71,094,000 |
| Noninterest-bearing deposits | 29,780,000 | 29,252,000 | 30,944,000 | 29,947,000 |
| Equity capital | 16,310,000 | 15,740,000 | 15,108,000 | 15,892,000 |
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 | 1,589,000 | 3,139,000 | 4,594,000 | 6,080,000 |
| Interest expense | 197,000 | 389,000 | 567,000 | 724,000 |
| Net interest income | 1,392,000 | 2,750,000 | 4,027,000 | 5,356,000 |
| Noninterest income | 334,000 | 678,000 | 1,007,000 | 1,342,000 |
| Noninterest expense | 767,000 | 1,513,000 | 2,266,000 | 3,006,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 315,000 |
| Pretax income | 959,000 | 1,915,000 | 2,668,000 | 3,377,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 959,000 | 1,915,000 | 2,668,000 | 3,377,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,925,000 | 14,418,000 | 14,454,000 | 15,163,000 |
| Total capital | 15,465,000 | 14,917,000 | 14,994,000 | 15,483,000 |
| Risk-weighted assets | 61,398,000 | 62,734,000 | 62,957,000 | 63,813,000 |