Call reports 2003
PEOPLES STATE BANK OF CHANDLERVILLE — 2003
What PEOPLES STATE BANK OF CHANDLERVILLE 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 | 40,387,000 | 39,960,000 | 39,017,000 | 40,702,000 |
| Total loans | 28,317,000 | 27,990,000 | 28,660,000 | 27,440,000 |
| Allowance for loan losses | 306,000 | 305,000 | 284,000 | 290,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,299,000 | 6,678,000 | 6,543,000 | 8,171,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,096,000 | 36,583,000 | 35,519,000 | 37,205,000 |
| Interest-bearing deposits | 35,616,000 | 35,677,000 | 34,601,000 | 35,245,000 |
| Noninterest-bearing deposits | 1,480,000 | 906,000 | 918,000 | 1,960,000 |
| Equity capital | 3,144,000 | 3,238,000 | 3,355,000 | 3,355,000 |
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 | 619,000 | 1,243,000 | 1,863,000 | 2,483,000 |
| Interest expense | 248,000 | 470,000 | 667,000 | 857,000 |
| Net interest income | 371,000 | 773,000 | 1,196,000 | 1,626,000 |
| Noninterest income | 66,000 | 129,000 | 202,000 | 272,000 |
| Noninterest expense | 295,000 | 597,000 | 904,000 | 1,249,000 |
| Provision for loan losses | 22,000 | 45,000 | 67,000 | 98,000 |
| Pretax income | 120,000 | 260,000 | 427,000 | 551,000 |
| Income tax | 39,000 | 78,000 | 117,000 | 146,000 |
| Net income | 81,000 | 182,000 | 310,000 | 405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,144,000 | 3,238,000 | 3,355,000 | 3,355,000 |
| Total capital | 3,450,000 | 3,543,000 | 3,639,000 | 3,645,000 |
| Risk-weighted assets | 27,332,000 | 27,122,000 | 27,333,000 | 26,788,000 |