Call reports 2002
PEOPLES STATE BANK — 2002
What PEOPLES 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 | 36,495,000 | 37,650,000 | 37,927,000 | 38,438,000 |
| Total loans | 14,776,000 | 16,775,000 | 17,893,000 | 17,959,000 |
| Allowance for loan losses | 617,000 | 627,000 | 639,000 | 650,000 |
| Securities available for sale | 19,464,000 | 17,254,000 | 16,274,000 | 15,275,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,229,000 | 31,620,000 | 30,762,000 | 32,570,000 |
| Interest-bearing deposits | 28,364,000 | 27,631,000 | 26,627,000 | 27,730,000 |
| Noninterest-bearing deposits | 3,865,000 | 3,989,000 | 4,135,000 | 4,840,000 |
| Equity capital | 3,444,000 | 3,777,000 | 3,982,000 | 3,783,000 |
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 | 533,000 | 1,061,000 | 1,611,000 | 2,135,000 |
| Interest expense | 187,000 | 353,000 | 517,000 | 659,000 |
| Net interest income | 346,000 | 708,000 | 1,094,000 | 1,476,000 |
| Noninterest income | 37,000 | 76,000 | 110,000 | 212,000 |
| Noninterest expense | 201,000 | 382,000 | 562,000 | 770,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 56,000 |
| Pretax income | 167,000 | 378,000 | 603,000 | 868,000 |
| Income tax | 15,000 | 29,000 | 46,000 | 62,000 |
| Net income | 152,000 | 349,000 | 557,000 | 806,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,346,000 | 3,443,000 | 3,551,000 | 3,400,000 |
| Total capital | 3,589,000 | 3,705,000 | 3,835,000 | 3,700,000 |
| Risk-weighted assets | 19,100,000 | 20,587,000 | 22,363,000 | 23,625,000 |