Call reports 2002
PEOPLES SOUTHERN BANK — 2002
What PEOPLES SOUTHERN 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 | 119,175,000 | 119,623,000 | 121,241,000 | 122,752,000 |
| Total loans | 51,000,000 | 52,809,000 | 52,607,000 | 51,279,000 |
| Allowance for loan losses | 566,000 | 563,000 | 592,000 | 677,000 |
| Securities available for sale | 50,769,000 | 49,548,000 | 48,763,000 | 52,218,000 |
| Securities held to maturity | 4,893,000 | 4,482,000 | 4,251,000 | 4,071,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,844,000 | 98,731,000 | 99,754,000 | 101,457,000 |
| Interest-bearing deposits | 83,462,000 | 81,056,000 | 81,939,000 | 84,123,000 |
| Noninterest-bearing deposits | 15,382,000 | 17,675,000 | 17,815,000 | 17,334,000 |
| Equity capital | 19,893,000 | 20,458,000 | 21,023,000 | 20,841,000 |
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 | 1,748,000 | 3,482,000 | 5,141,000 | 6,774,000 |
| Interest expense | 570,000 | 1,077,000 | 1,556,000 | 2,026,000 |
| Net interest income | 1,178,000 | 2,405,000 | 3,585,000 | 4,748,000 |
| Noninterest income | 284,000 | 542,000 | 828,000 | 1,094,000 |
| Noninterest expense | 820,000 | 1,648,000 | 2,455,000 | 3,381,000 |
| Provision for loan losses | 0 | 20,000 | 60,000 | 160,000 |
| Pretax income | 643,000 | 1,281,000 | 1,900,000 | 2,320,000 |
| Income tax | 34,000 | 58,000 | 84,000 | 111,000 |
| Net income | 609,000 | 1,223,000 | 1,816,000 | 2,209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,124,000 | 19,162,000 | 19,338,000 | 19,195,000 |
| Total capital | 19,690,000 | 19,725,000 | 19,930,000 | 19,872,000 |
| Risk-weighted assets | 69,509,000 | 70,910,000 | 72,361,000 | 72,330,000 |