Call reports 2003
PEOPLES COMMUNITY BANK — 2003
What PEOPLES COMMUNITY 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 | 166,850,000 | 167,122,000 | 166,561,000 | 158,628,000 |
| Total loans | 122,927,000 | 120,024,000 | 121,910,000 | 114,622,000 |
| Allowance for loan losses | 2,551,000 | 2,882,000 | 1,948,000 | 1,862,000 |
| Securities available for sale | 22,827,000 | 21,043,000 | 23,082,000 | 24,361,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,354,000 | 153,606,000 | 152,490,000 | 144,541,000 |
| Interest-bearing deposits | 141,272,000 | 143,077,000 | 139,656,000 | 131,617,000 |
| Noninterest-bearing deposits | 12,082,000 | 10,529,000 | 12,834,000 | 12,924,000 |
| Equity capital | 12,560,000 | 12,578,000 | 12,815,000 | 13,097,000 |
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 | 2,527,000 | 4,896,000 | 7,236,000 | 9,510,000 |
| Interest expense | 1,046,000 | 2,062,000 | 3,005,000 | 3,848,000 |
| Net interest income | 1,481,000 | 2,834,000 | 4,231,000 | 5,662,000 |
| Noninterest income | 237,000 | 492,000 | 722,000 | 830,000 |
| Noninterest expense | 875,000 | 2,095,000 | 3,042,000 | 4,148,000 |
| Provision for loan losses | 706,000 | 1,173,000 | 1,073,000 | 1,103,000 |
| Pretax income | 137,000 | 58,000 | 838,000 | 1,248,000 |
| Income tax | 51,000 | -9,000 | 271,000 | 373,000 |
| Net income | 86,000 | 67,000 | 567,000 | 875,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,035,000 | 12,017,000 | 12,427,000 | 12,735,000 |
| Total capital | 13,615,000 | 13,586,000 | 14,035,000 | 14,268,000 |
| Risk-weighted assets | 125,425,000 | 124,220,000 | 128,304,000 | 122,283,000 |