Call reports 2003
PEOPLES SECURITY BANK — 2003
What PEOPLES SECURITY 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 | 43,391,000 | 44,811,000 | 44,907,000 | 46,453,000 |
| Total loans | 25,015,000 | 25,012,000 | 25,119,000 | 25,510,000 |
| Allowance for loan losses | 390,000 | 457,000 | 452,000 | 438,000 |
| Securities available for sale | 11,597,000 | 12,301,000 | 12,980,000 | 15,289,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,678,000 | 38,309,000 | 38,447,000 | 39,905,000 |
| Interest-bearing deposits | 27,266,000 | 27,626,000 | 27,578,000 | 28,493,000 |
| Noninterest-bearing deposits | 10,412,000 | 10,683,000 | 10,869,000 | 11,412,000 |
| Equity capital | 4,860,000 | 4,974,000 | 4,961,000 | 5,016,000 |
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 | 637,000 | 1,311,000 | 1,972,000 | 2,617,000 |
| Interest expense | 144,000 | 288,000 | 417,000 | 541,000 |
| Net interest income | 493,000 | 1,023,000 | 1,555,000 | 2,076,000 |
| Noninterest income | 111,000 | 218,000 | 342,000 | 488,000 |
| Noninterest expense | 450,000 | 947,000 | 1,418,000 | 1,936,000 |
| Provision for loan losses | 18,000 | 18,000 | 18,000 | 18,000 |
| Pretax income | 136,000 | 276,000 | 461,000 | 610,000 |
| Income tax | 22,000 | 59,000 | 113,000 | 170,000 |
| Net income | 114,000 | 217,000 | 348,000 | 440,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,634,000 | 4,694,000 | 4,781,000 | 4,829,000 |
| Total capital | 4,932,000 | 5,000,000 | 5,084,000 | 5,138,000 |
| Risk-weighted assets | 23,737,000 | 24,292,000 | 24,121,000 | 24,554,000 |