Call reports 2003
PEOPLES SAVINGS BANK — 2003
What PEOPLES SAVINGS 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 | 43,972,000 | 46,370,000 | 47,752,000 | 47,773,000 |
| Total loans | 24,205,000 | 25,047,000 | 26,223,000 | 25,407,000 |
| Allowance for loan losses | 339,000 | 345,000 | 391,000 | 391,000 |
| Securities available for sale | 15,772,000 | 17,927,000 | 18,073,000 | 18,506,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,120,000 | 32,827,000 | 33,426,000 | 34,111,000 |
| Interest-bearing deposits | 29,227,000 | 28,984,000 | 30,037,000 | 29,778,000 |
| Noninterest-bearing deposits | 3,893,000 | 3,843,000 | 3,389,000 | 4,333,000 |
| Equity capital | 3,828,000 | 4,136,000 | 3,908,000 | 4,011,000 |
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 | 649,000 | 1,289,000 | 1,954,000 | 2,593,000 |
| Interest expense | 260,000 | 513,000 | 761,000 | 999,000 |
| Net interest income | 389,000 | 776,000 | 1,193,000 | 1,594,000 |
| Noninterest income | 90,000 | 171,000 | 277,000 | 364,000 |
| Noninterest expense | 267,000 | 523,000 | 806,000 | 1,108,000 |
| Provision for loan losses | 9,000 | 18,000 | 64,000 | 64,000 |
| Pretax income | 207,000 | 422,000 | 712,000 | 904,000 |
| Income tax | 45,000 | 88,000 | 157,000 | 196,000 |
| Net income | 162,000 | 334,000 | 555,000 | 708,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,406,000 | 3,582,000 | 3,763,000 | 3,879,000 |
| Total capital | 3,745,000 | 3,927,000 | 4,154,000 | 4,268,000 |
| Risk-weighted assets | 28,376,000 | 29,758,000 | 31,796,000 | 31,095,000 |