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 | 51,833,000 | 52,968,000 | 52,084,000 | 52,997,000 |
| Total loans | 36,847,000 | 35,606,000 | 35,266,000 | 39,040,000 |
| Allowance for loan losses | 672,000 | 669,000 | 657,000 | 652,000 |
| Securities available for sale | 7,399,000 | 5,895,000 | 6,854,000 | 9,298,000 |
| Securities held to maturity | 120,000 | 120,000 | 120,000 | 120,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,156,000 | 44,163,000 | 43,319,000 | 44,340,000 |
| Interest-bearing deposits | 36,820,000 | 37,896,000 | 37,162,000 | 36,831,000 |
| Noninterest-bearing deposits | 6,336,000 | 6,267,000 | 6,157,000 | 7,510,000 |
| Equity capital | 8,441,000 | 8,563,000 | 8,521,000 | 8,475,000 |
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 | 737,000 | 1,494,000 | 2,191,000 | 2,823,000 |
| Interest expense | 214,000 | 414,000 | 595,000 | 753,000 |
| Net interest income | 523,000 | 1,080,000 | 1,596,000 | 2,070,000 |
| Noninterest income | 54,000 | 122,000 | 191,000 | 297,000 |
| Noninterest expense | 246,000 | 488,000 | 730,000 | 995,000 |
| Provision for loan losses | 0 | 0 | 0 | 70,000 |
| Pretax income | 331,000 | 714,000 | 1,057,000 | 1,302,000 |
| Income tax | 15,000 | 31,000 | 46,000 | 55,000 |
| Net income | 316,000 | 683,000 | 1,011,000 | 1,247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,385,000 | 8,451,000 | 8,480,000 | 8,415,000 |
| Total capital | 8,892,000 | 8,939,000 | 8,959,000 | 8,927,000 |
| Risk-weighted assets | 40,371,000 | 38,875,000 | 38,167,000 | 40,808,000 |