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 | 219,289,000 | 222,182,000 | 229,016,000 | 237,105,000 |
| Total loans | 188,084,000 | 189,937,000 | 196,131,000 | 190,223,000 |
| Allowance for loan losses | 2,405,000 | 2,513,000 | 2,626,000 | 2,383,000 |
| Securities available for sale | 20,378,000 | 17,763,000 | 16,124,000 | 18,791,000 |
| Securities held to maturity | 860,000 | 666,000 | 665,000 | 475,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,590,000 | 182,428,000 | 187,873,000 | 197,531,000 |
| Interest-bearing deposits | 163,106,000 | 168,283,000 | 172,860,000 | 181,845,000 |
| Noninterest-bearing deposits | 17,484,000 | 14,145,000 | 15,013,000 | 15,686,000 |
| Equity capital | 18,733,000 | 19,467,000 | 20,113,000 | 20,736,000 |
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 | 3,678,000 | 7,300,000 | 10,848,000 | 14,476,000 |
| Interest expense | 1,626,000 | 3,189,000 | 4,741,000 | 6,272,000 |
| Net interest income | 2,052,000 | 4,111,000 | 6,107,000 | 8,204,000 |
| Noninterest income | 210,000 | 429,000 | 746,000 | 1,055,000 |
| Noninterest expense | 944,000 | 1,994,000 | 3,080,000 | 4,134,000 |
| Provision for loan losses | 112,000 | 225,000 | 338,000 | 475,000 |
| Pretax income | 1,213,000 | 2,314,000 | 3,446,000 | 4,628,000 |
| Income tax | 22,000 | 43,000 | 64,000 | 85,000 |
| Net income | 1,191,000 | 2,271,000 | 3,382,000 | 4,543,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,415,000 | 18,988,000 | 19,457,000 | 20,082,000 |
| Total capital | 20,679,000 | 21,377,000 | 21,968,000 | 22,465,000 |
| Risk-weighted assets | 180,933,000 | 191,004,000 | 200,776,000 | 200,051,000 |