Call reports 2003
PEOPLES STATE BANK — 2003
What PEOPLES 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 | 15,850,000 | 15,602,000 | 15,223,000 | 14,831,000 |
| Total loans | 11,441,000 | 11,787,000 | 10,092,000 | 11,627,000 |
| Allowance for loan losses | 180,000 | 181,000 | 181,000 | 182,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,483,000 | 1,602,000 | 977,000 | 777,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,116,000 | 12,728,000 | 12,160,000 | 11,748,000 |
| Interest-bearing deposits | 11,415,000 | 11,020,000 | 10,456,000 | 10,056,000 |
| Noninterest-bearing deposits | 1,701,000 | 1,708,000 | 1,704,000 | 1,692,000 |
| Equity capital | 2,524,000 | 2,621,000 | 2,729,000 | 2,815,000 |
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 | 300,000 | 595,000 | 891,000 | 1,165,000 |
| Interest expense | 55,000 | 106,000 | 147,000 | 185,000 |
| Net interest income | 245,000 | 489,000 | 744,000 | 980,000 |
| Noninterest income | 76,000 | 146,000 | 219,000 | 293,000 |
| Noninterest expense | 171,000 | 336,000 | 496,000 | 685,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 150,000 | 299,000 | 467,000 | 588,000 |
| Income tax | 53,000 | 105,000 | 165,000 | 200,000 |
| Net income | 97,000 | 194,000 | 302,000 | 388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,524,000 | 2,621,000 | 2,729,000 | 2,815,000 |
| Total capital | 2,656,000 | 2,756,000 | 2,845,000 | 2,945,000 |
| Risk-weighted assets | 10,434,000 | 10,684,000 | 9,151,000 | 10,338,000 |