Call reports 2003
PEOPLES BANK OF ALABAMA — 2003
What PEOPLES BANK OF ALABAMA 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 | 282,029,000 | 289,373,000 | 286,704,000 | 279,203,000 |
| Total loans | 183,269,000 | 189,597,000 | 187,185,000 | 185,000,000 |
| Allowance for loan losses | 2,223,000 | 2,251,000 | 2,273,000 | 2,323,000 |
| Securities available for sale | 23,277,000 | 39,731,000 | 55,988,000 | 59,817,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 235,832,000 | 234,892,000 | 228,322,000 | 216,108,000 |
| Interest-bearing deposits | 189,051,000 | 186,350,000 | 183,027,000 | 173,541,000 |
| Noninterest-bearing deposits | 46,781,000 | 48,542,000 | 45,295,000 | 42,567,000 |
| Equity capital | 34,150,000 | 35,118,000 | 39,140,000 | 40,235,000 |
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 | 3,861,000 | 7,717,000 | 11,791,000 | 15,752,000 |
| Interest expense | 1,089,000 | 2,076,000 | 2,973,000 | 3,873,000 |
| Net interest income | 2,772,000 | 5,641,000 | 8,818,000 | 11,879,000 |
| Noninterest income | 1,079,000 | 2,188,000 | 3,302,000 | 4,550,000 |
| Noninterest expense | 2,528,000 | 5,524,000 | 8,401,000 | 11,330,000 |
| Provision for loan losses | 50,000 | 275,000 | 575,000 | 837,000 |
| Pretax income | 1,273,000 | 2,030,000 | 3,145,000 | 4,263,000 |
| Income tax | 450,000 | 778,000 | 1,213,000 | 1,383,000 |
| Net income | 823,000 | 1,252,000 | 1,932,000 | 2,879,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,246,000 | 29,291,000 | 34,195,000 | 35,221,000 |
| Total capital | 30,469,000 | 31,542,000 | 36,468,000 | 37,544,000 |
| Risk-weighted assets | 194,698,000 | 203,417,000 | 204,714,000 | 203,650,000 |