Call reports 2003
PEOPLE'S COMMUNITY STATE BANK — 2003
What PEOPLE'S COMMUNITY 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 | 75,983,000 | 77,449,000 | 78,485,000 | 78,249,000 |
| Total loans | 54,822,000 | 57,525,000 | 57,080,000 | 58,674,000 |
| Allowance for loan losses | 806,000 | 841,000 | 867,000 | 889,000 |
| Securities available for sale | 3,806,000 | 3,174,000 | 3,244,000 | 5,212,000 |
| Securities held to maturity | 4,511,000 | 4,506,000 | 5,736,000 | 5,718,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,684,000 | 70,358,000 | 70,887,000 | 70,287,000 |
| Interest-bearing deposits | 63,450,000 | 64,066,000 | 65,499,000 | 65,394,000 |
| Noninterest-bearing deposits | 5,234,000 | 6,292,000 | 5,388,000 | 4,893,000 |
| Equity capital | 6,997,000 | 6,758,000 | 7,295,000 | 7,717,000 |
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 | 1,138,000 | 2,295,000 | 3,578,000 | 4,758,000 |
| Interest expense | 342,000 | 666,000 | 972,000 | 1,254,000 |
| Net interest income | 796,000 | 1,629,000 | 2,606,000 | 3,504,000 |
| Noninterest income | 178,000 | 366,000 | 558,000 | 769,000 |
| Noninterest expense | 567,000 | 1,187,000 | 1,769,000 | 2,411,000 |
| Provision for loan losses | 27,000 | 71,000 | 108,000 | 142,000 |
| Pretax income | 380,000 | 737,000 | 1,287,000 | 1,720,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 380,000 | 737,000 | 1,287,000 | 1,720,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,950,000 | 6,708,000 | 7,258,000 | 7,250,000 |
| Total capital | 7,596,000 | 7,380,000 | 7,929,000 | 7,936,000 |
| Risk-weighted assets | 51,486,000 | 53,591,000 | 53,520,000 | 54,681,000 |