Call reports 2003
PENINSULA BANK, THE — 2003
What PENINSULA BANK, THE 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 | 107,295,000 | 114,180,000 | 113,753,000 | 111,285,000 |
| Total loans | 83,739,000 | 88,408,000 | 93,338,000 | 94,455,000 |
| Allowance for loan losses | 1,088,000 | 1,131,000 | 1,150,000 | 1,225,000 |
| Securities available for sale | 7,194,000 | 6,487,000 | 5,746,000 | 5,566,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,233,000 | 95,070,000 | 94,460,000 | 92,041,000 |
| Interest-bearing deposits | 81,333,000 | 84,461,000 | 84,378,000 | 83,121,000 |
| Noninterest-bearing deposits | 7,900,000 | 10,609,000 | 10,082,000 | 8,920,000 |
| Equity capital | 10,120,000 | 10,404,000 | 10,666,000 | 10,661,000 |
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 | 1,783,000 | 3,593,000 | 5,390,000 | 7,027,000 |
| Interest expense | 546,000 | 1,071,000 | 1,577,000 | 2,054,000 |
| Net interest income | 1,237,000 | 2,522,000 | 3,813,000 | 4,973,000 |
| Noninterest income | 186,000 | 400,000 | 610,000 | 762,000 |
| Noninterest expense | 808,000 | 1,614,000 | 2,472,000 | 3,260,000 |
| Provision for loan losses | 100,000 | 195,000 | 310,000 | 400,000 |
| Pretax income | 515,000 | 1,113,000 | 1,641,000 | 2,075,000 |
| Income tax | 201,000 | 422,000 | 606,000 | 769,000 |
| Net income | 314,000 | 691,000 | 1,035,000 | 1,306,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,004,000 | 10,242,000 | 10,586,000 | 10,453,000 |
| Total capital | 10,866,000 | 11,144,000 | 11,527,000 | 11,415,000 |
| Risk-weighted assets | 68,701,000 | 71,955,000 | 75,097,000 | 76,693,000 |