Call reports 2003
PEOPLES NATIONAL BANK, THE — 2003
What PEOPLES NATIONAL 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 | 250,602,000 | 256,597,000 | 252,275,000 | 239,362,000 |
| Total loans | 199,697,000 | 204,373,000 | 180,041,000 | 176,627,000 |
| Allowance for loan losses | 1,804,000 | 2,019,000 | 2,444,000 | 2,081,000 |
| Securities available for sale | 25,939,000 | 24,637,000 | 36,679,000 | 38,016,000 |
| Securities held to maturity | 2,790,000 | 2,889,000 | 3,115,000 | 3,681,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,399,000 | 212,202,000 | 208,604,000 | 197,236,000 |
| Interest-bearing deposits | 155,685,000 | 181,836,000 | 177,297,000 | 170,608,000 |
| Noninterest-bearing deposits | 51,714,000 | 30,366,000 | 31,307,000 | 26,628,000 |
| Equity capital | 20,110,000 | 21,179,000 | 21,773,000 | 21,599,000 |
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 | 3,118,000 | 6,133,000 | 9,244,000 | 12,233,000 |
| Interest expense | 1,147,000 | 2,311,000 | 3,479,000 | 4,584,000 |
| Net interest income | 1,971,000 | 3,822,000 | 5,765,000 | 7,649,000 |
| Noninterest income | 2,437,000 | 5,521,000 | 8,332,000 | 9,159,000 |
| Noninterest expense | 2,383,000 | 4,872,000 | 7,585,000 | 10,234,000 |
| Provision for loan losses | 75,000 | 325,000 | 775,000 | 775,000 |
| Pretax income | 1,950,000 | 4,147,000 | 5,738,000 | 5,800,000 |
| Income tax | 707,000 | 1,514,000 | 2,098,000 | 2,112,000 |
| Net income | 1,243,000 | 2,633,000 | 3,640,000 | 3,688,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,787,000 | 20,931,000 | 21,692,000 | 21,483,000 |
| Total capital | 21,591,000 | 22,950,000 | 24,059,000 | 23,564,000 |
| Risk-weighted assets | 187,381,000 | 196,119,000 | 189,270,000 | 187,247,000 |