Call reports 2003
PUBLIC SAVINGS BANK — 2003
What PUBLIC SAVINGS 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 | 23,625,000 | 23,950,000 | 23,683,000 | 24,257,000 |
| Total loans | 20,411,000 | 21,643,000 | 21,293,000 | 20,924,000 |
| Allowance for loan losses | 120,000 | 127,000 | 132,000 | 137,000 |
| Securities available for sale | 494,000 | 493,000 | 493,000 | 494,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,734,000 | 22,014,000 | 21,676,000 | 22,240,000 |
| Interest-bearing deposits | 21,700,000 | 21,979,000 | 21,642,000 | 22,194,000 |
| Noninterest-bearing deposits | 34,000 | 35,000 | 34,000 | 46,000 |
| Equity capital | 1,855,000 | 1,895,000 | 1,948,000 | 1,953,000 |
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 | 396,000 | 781,000 | 1,171,000 | 1,545,000 |
| Interest expense | 199,000 | 394,000 | 583,000 | 768,000 |
| Net interest income | 197,000 | 387,000 | 588,000 | 777,000 |
| Noninterest income | 337,000 | 719,000 | 1,176,000 | 1,561,000 |
| Noninterest expense | 480,000 | 998,000 | 1,581,000 | 2,115,000 |
| Provision for loan losses | 14,000 | 32,000 | 57,000 | 92,000 |
| Pretax income | 40,000 | 76,000 | 126,000 | 131,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 40,000 | 76,000 | 126,000 | 131,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,861,000 | 1,897,000 | 1,947,000 | 1,952,000 |
| Total capital | 1,981,000 | 2,024,000 | 2,079,000 | 2,089,000 |
| Risk-weighted assets | 13,307,000 | 13,510,000 | 13,418,000 | 13,224,000 |