Call reports 2002
PEOPLES STATE BANK — 2002
What PEOPLES STATE 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 | 27,351,000 | 30,663,000 | 32,470,000 | 34,505,000 |
| Total loans | 20,527,000 | 23,491,000 | 23,366,000 | 22,577,000 |
| Allowance for loan losses | 287,000 | 293,000 | 306,000 | 272,000 |
| Securities available for sale | 4,421,000 | 4,324,000 | 4,651,000 | 6,522,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,964,000 | 25,595,000 | 27,760,000 | 28,299,000 |
| Interest-bearing deposits | 21,318,000 | 22,754,000 | 24,315,000 | 24,508,000 |
| Noninterest-bearing deposits | 2,646,000 | 2,841,000 | 3,445,000 | 3,791,000 |
| Equity capital | 2,033,000 | 2,206,000 | 2,307,000 | 2,840,000 |
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 | 480,000 | 1,002,000 | 1,556,000 | 2,113,000 |
| Interest expense | 179,000 | 360,000 | 558,000 | 736,000 |
| Net interest income | 301,000 | 642,000 | 998,000 | 1,377,000 |
| Noninterest income | 67,000 | 147,000 | 245,000 | 343,000 |
| Noninterest expense | 249,000 | 566,000 | 873,000 | 1,228,000 |
| Provision for loan losses | 0 | 6,000 | 15,000 | 24,000 |
| Pretax income | 145,000 | 280,000 | 446,000 | 559,000 |
| Income tax | 42,000 | 55,000 | 119,000 | 162,000 |
| Net income | 103,000 | 225,000 | 327,000 | 397,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,005,000 | 2,177,000 | 2,273,000 | 2,778,000 |
| Total capital | 2,271,000 | 2,470,000 | 2,579,000 | 3,050,000 |
| Risk-weighted assets | 21,250,000 | 24,424,000 | 24,896,000 | 25,326,000 |