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 | 242,094,000 | 241,957,000 | 239,912,000 | 244,299,000 |
| Total loans | 194,630,000 | 197,803,000 | 198,853,000 | 200,673,000 |
| Allowance for loan losses | 2,490,000 | 2,588,000 | 2,708,000 | 2,725,000 |
| Securities available for sale | 20,029,000 | 18,760,000 | 20,770,000 | 23,793,000 |
| Securities held to maturity | 410,000 | 311,000 | 311,000 | 310,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,181,000 | 203,978,000 | 201,670,000 | 206,341,000 |
| Interest-bearing deposits | 189,537,000 | 184,877,000 | 185,521,000 | 189,799,000 |
| Noninterest-bearing deposits | 15,644,000 | 19,101,000 | 16,149,000 | 16,542,000 |
| Equity capital | 21,134,000 | 21,992,000 | 22,263,000 | 22,359,000 |
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 | 3,320,000 | 6,739,000 | 10,106,000 | 13,283,000 |
| Interest expense | 1,507,000 | 2,970,000 | 4,405,000 | 5,833,000 |
| Net interest income | 1,813,000 | 3,769,000 | 5,701,000 | 7,450,000 |
| Noninterest income | 329,000 | 703,000 | 930,000 | 1,424,000 |
| Noninterest expense | 1,035,000 | 2,132,000 | 3,210,000 | 4,584,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 1,002,000 | 2,130,000 | 3,106,000 | 3,870,000 |
| Income tax | 0 | 16,000 | 31,000 | 47,000 |
| Net income | 1,002,000 | 2,114,000 | 3,075,000 | 3,823,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,636,000 | 21,215,000 | 21,664,000 | 21,845,000 |
| Total capital | 23,126,000 | 23,803,000 | 24,044,000 | 24,230,000 |
| Risk-weighted assets | 205,564,000 | 207,091,000 | 190,104,000 | 190,473,000 |