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 | 34,110,000 | 34,088,000 | 34,523,000 | 37,599,000 |
| Total loans | 14,911,000 | 16,811,000 | 17,257,000 | 16,615,000 |
| Allowance for loan losses | 665,000 | 680,000 | 696,000 | 677,000 |
| Securities available for sale | 10,632,000 | 14,519,000 | 12,642,000 | 17,808,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,118,000 | 30,237,000 | 30,734,000 | 31,637,000 |
| Interest-bearing deposits | 25,822,000 | 26,141,000 | 26,248,000 | 26,391,000 |
| Noninterest-bearing deposits | 4,296,000 | 4,096,000 | 4,486,000 | 5,246,000 |
| Equity capital | 3,823,000 | 3,693,000 | 3,630,000 | 3,550,000 |
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 | 443,000 | 869,000 | 1,293,000 | 1,725,000 |
| Interest expense | 114,000 | 216,000 | 308,000 | 392,000 |
| Net interest income | 329,000 | 653,000 | 985,000 | 1,333,000 |
| Noninterest income | 36,000 | 72,000 | 107,000 | 140,000 |
| Noninterest expense | 202,000 | 390,000 | 579,000 | 746,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 45,000 |
| Pretax income | 251,000 | 408,000 | 571,000 | 811,000 |
| Income tax | 21,000 | 35,000 | 46,000 | 54,000 |
| Net income | 230,000 | 373,000 | 525,000 | 757,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,540,000 | 3,443,000 | 3,505,000 | 3,427,000 |
| Total capital | 3,837,000 | 3,698,000 | 3,783,000 | 3,689,000 |
| Risk-weighted assets | 23,415,000 | 19,954,000 | 21,836,000 | 20,557,000 |