Call reports 2002
PEOPLES STATE BANK OF CHANDLERVILLE — 2002
What PEOPLES STATE BANK OF CHANDLERVILLE 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 | 38,855,000 | 38,619,000 | 39,225,000 | 40,523,000 |
| Total loans | 25,056,000 | 26,456,000 | 27,918,000 | 27,658,000 |
| Allowance for loan losses | 228,000 | 245,000 | 271,000 | 274,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 9,085,000 | 8,747,000 | 5,879,000 | 5,436,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,775,000 | 35,415,000 | 35,928,000 | 37,247,000 |
| Interest-bearing deposits | 34,855,000 | 34,362,000 | 33,804,000 | 34,400,000 |
| Noninterest-bearing deposits | 920,000 | 1,053,000 | 2,124,000 | 2,847,000 |
| Equity capital | 2,952,000 | 3,042,000 | 3,105,000 | 3,079,000 |
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 | 628,000 | 1,275,000 | 1,932,000 | 2,579,000 |
| Interest expense | 300,000 | 587,000 | 861,000 | 1,115,000 |
| Net interest income | 328,000 | 688,000 | 1,071,000 | 1,464,000 |
| Noninterest income | 45,000 | 95,000 | 164,000 | 240,000 |
| Noninterest expense | 276,000 | 545,000 | 842,000 | 1,181,000 |
| Provision for loan losses | 17,000 | 47,000 | 106,000 | 151,000 |
| Pretax income | 80,000 | 191,000 | 287,000 | 372,000 |
| Income tax | 25,000 | 46,000 | 67,000 | 97,000 |
| Net income | 55,000 | 145,000 | 220,000 | 275,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,920,000 | 3,011,000 | 3,075,000 | 3,049,000 |
| Total capital | 3,148,000 | 3,256,000 | 3,346,000 | 3,323,000 |
| Risk-weighted assets | 25,515,000 | 26,328,000 | 27,502,000 | 26,879,000 |