Call reports 2002
PEOPLE'S COMMUNITY STATE BANK — 2002
What PEOPLE'S COMMUNITY STATE BANK 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 | 62,902,000 | 62,523,000 | 63,363,000 | 73,444,000 |
| Total loans | 45,776,000 | 47,037,000 | 49,249,000 | 54,572,000 |
| Allowance for loan losses | 724,000 | 742,000 | 771,000 | 783,000 |
| Securities available for sale | 3,124,000 | 3,715,000 | 3,732,000 | 4,195,000 |
| Securities held to maturity | 3,149,000 | 3,715,000 | 3,811,000 | 4,741,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,618,000 | 56,341,000 | 56,791,000 | 66,537,000 |
| Interest-bearing deposits | 52,951,000 | 52,650,000 | 52,935,000 | 61,604,000 |
| Noninterest-bearing deposits | 3,667,000 | 3,691,000 | 3,856,000 | 4,933,000 |
| Equity capital | 6,068,000 | 5,933,000 | 6,327,000 | 6,627,000 |
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 | 1,021,000 | 2,045,000 | 3,106,000 | 4,200,000 |
| Interest expense | 391,000 | 735,000 | 1,064,000 | 1,394,000 |
| Net interest income | 630,000 | 1,310,000 | 2,042,000 | 2,806,000 |
| Noninterest income | 107,000 | 225,000 | 382,000 | 511,000 |
| Noninterest expense | 433,000 | 881,000 | 1,402,000 | 1,966,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 96,000 |
| Pretax income | 280,000 | 606,000 | 950,000 | 1,255,000 |
| Income tax | 12,000 | 24,000 | 0 | 0 |
| Net income | 268,000 | 582,000 | 950,000 | 1,255,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,084,000 | 5,898,000 | 6,266,000 | 6,570,000 |
| Total capital | 6,580,000 | 6,440,000 | 6,829,000 | 7,211,000 |
| Risk-weighted assets | 39,466,000 | 43,116,000 | 44,802,000 | 51,123,000 |