Call reports 2002
PENINSULA BANK, THE — 2002
What PENINSULA BANK, THE 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 | 93,512,000 | 100,756,000 | 105,701,000 | 106,374,000 |
| Total loans | 74,558,000 | 78,771,000 | 81,592,000 | 82,800,000 |
| Allowance for loan losses | 836,000 | 864,000 | 946,000 | 1,013,000 |
| Securities available for sale | 9,434,000 | 8,329,000 | 8,482,000 | 7,762,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,296,000 | 84,008,000 | 88,037,000 | 89,135,000 |
| Interest-bearing deposits | 71,399,000 | 75,345,000 | 78,845,000 | 79,945,000 |
| Noninterest-bearing deposits | 6,897,000 | 8,663,000 | 9,192,000 | 9,190,000 |
| Equity capital | 9,292,000 | 9,548,000 | 9,926,000 | 9,866,000 |
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 | 1,733,000 | 3,493,000 | 5,344,000 | 7,215,000 |
| Interest expense | 651,000 | 1,323,000 | 1,976,000 | 2,573,000 |
| Net interest income | 1,082,000 | 2,170,000 | 3,368,000 | 4,642,000 |
| Noninterest income | 160,000 | 308,000 | 513,000 | 695,000 |
| Noninterest expense | 696,000 | 1,366,000 | 2,150,000 | 2,949,000 |
| Provision for loan losses | 80,000 | 160,000 | 270,000 | 510,000 |
| Pretax income | 466,000 | 952,000 | 1,461,000 | 1,881,000 |
| Income tax | 173,000 | 345,000 | 544,000 | 714,000 |
| Net income | 293,000 | 607,000 | 917,000 | 1,167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,208,000 | 9,389,000 | 9,698,000 | 9,691,000 |
| Total capital | 9,987,000 | 10,210,000 | 10,547,000 | 10,548,000 |
| Risk-weighted assets | 62,246,000 | 65,646,000 | 67,814,000 | 68,384,000 |