Call reports 2003
PEOPLES SOUTHERN BANK — 2003
What PEOPLES SOUTHERN 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 | 122,660,000 | 123,773,000 | 121,813,000 | 124,039,000 |
| Total loans | 48,462,000 | 46,642,000 | 43,686,000 | 45,051,000 |
| Allowance for loan losses | 883,000 | 858,000 | 872,000 | 831,000 |
| Securities available for sale | 58,084,000 | 60,608,000 | 62,761,000 | 63,838,000 |
| Securities held to maturity | 4,169,000 | 3,262,000 | 2,743,000 | 2,082,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,482,000 | 102,425,000 | 100,928,000 | 103,306,000 |
| Interest-bearing deposits | 82,375,000 | 83,659,000 | 82,269,000 | 83,435,000 |
| Noninterest-bearing deposits | 19,107,000 | 18,766,000 | 18,659,000 | 19,871,000 |
| Equity capital | 20,738,000 | 20,978,000 | 20,536,000 | 20,431,000 |
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 | 1,514,000 | 3,011,000 | 4,396,000 | 5,766,000 |
| Interest expense | 391,000 | 745,000 | 1,063,000 | 1,335,000 |
| Net interest income | 1,123,000 | 2,266,000 | 3,333,000 | 4,431,000 |
| Noninterest income | 294,000 | 551,000 | 864,000 | 1,151,000 |
| Noninterest expense | 752,000 | 1,672,000 | 2,513,000 | 3,383,000 |
| Provision for loan losses | 225,000 | 225,000 | 225,000 | 205,000 |
| Pretax income | 440,000 | 920,000 | 1,465,000 | 2,002,000 |
| Income tax | 128,000 | 54,000 | 81,000 | 90,000 |
| Net income | 312,000 | 866,000 | 1,384,000 | 1,912,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,207,000 | 19,185,000 | 19,363,000 | 19,433,000 |
| Total capital | 20,086,000 | 20,043,000 | 20,192,000 | 20,264,000 |
| Risk-weighted assets | 70,338,000 | 68,815,000 | 66,264,000 | 67,269,000 |