Call reports 2003
PEOPLES STATE BANK — 2003
What PEOPLES STATE 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 | 41,896,000 | 41,941,000 | 39,611,000 | 39,712,000 |
| Total loans | 24,779,000 | 29,265,000 | 28,874,000 | 29,233,000 |
| Allowance for loan losses | 287,000 | 326,000 | 367,000 | 365,000 |
| Securities available for sale | 9,161,000 | 6,776,000 | 5,433,000 | 4,840,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,709,000 | 35,635,000 | 33,257,000 | 33,297,000 |
| Interest-bearing deposits | 31,358,000 | 31,898,000 | 28,732,000 | 28,543,000 |
| Noninterest-bearing deposits | 3,351,000 | 3,737,000 | 4,525,000 | 4,754,000 |
| Equity capital | 3,049,000 | 3,136,000 | 3,168,000 | 3,223,000 |
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 | 571,000 | 1,164,000 | 1,762,000 | 2,356,000 |
| Interest expense | 191,000 | 385,000 | 550,000 | 701,000 |
| Net interest income | 380,000 | 779,000 | 1,212,000 | 1,655,000 |
| Noninterest income | 91,000 | 190,000 | 326,000 | 420,000 |
| Noninterest expense | 346,000 | 693,000 | 1,082,000 | 1,442,000 |
| Provision for loan losses | 15,000 | 64,000 | 94,000 | 165,000 |
| Pretax income | 122,000 | 235,000 | 391,000 | 498,000 |
| Income tax | 43,000 | 75,000 | 128,000 | 182,000 |
| Net income | 79,000 | 160,000 | 263,000 | 316,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,997,000 | 3,079,000 | 3,169,000 | 3,222,000 |
| Total capital | 3,284,000 | 3,405,000 | 3,536,000 | 3,587,000 |
| Risk-weighted assets | 27,614,000 | 30,849,000 | 29,690,000 | 29,443,000 |