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 | 28,515,000 | 27,616,000 | 26,645,000 | 26,245,000 |
| Total loans | 15,788,000 | 15,310,000 | 15,321,000 | 13,916,000 |
| Allowance for loan losses | 396,000 | 354,000 | 407,000 | 901,000 |
| Securities available for sale | 1,874,000 | 1,904,000 | 5,765,000 | 4,289,000 |
| Securities held to maturity | 1,711,000 | 1,574,000 | 1,568,000 | 1,458,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,092,000 | 24,627,000 | 23,568,000 | 24,415,000 |
| Interest-bearing deposits | 21,230,000 | 21,414,000 | 19,710,000 | 19,182,000 |
| Noninterest-bearing deposits | 3,862,000 | 3,213,000 | 3,858,000 | 5,233,000 |
| Equity capital | 3,320,000 | 2,901,000 | 2,999,000 | 1,765,000 |
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 | 579,000 | 1,069,000 | 1,577,000 | 2,003,000 |
| Interest expense | 175,000 | 323,000 | 458,000 | 587,000 |
| Net interest income | 404,000 | 746,000 | 1,119,000 | 1,416,000 |
| Noninterest income | 36,000 | 106,000 | 179,000 | 216,000 |
| Noninterest expense | 258,000 | 535,000 | 799,000 | 1,093,000 |
| Provision for loan losses | 80,000 | 724,000 | 814,000 | 2,765,000 |
| Pretax income | 102,000 | -406,000 | -314,000 | -2,225,000 |
| Income tax | 30,000 | -43,000 | -43,000 | -715,000 |
| Net income | 72,000 | -363,000 | -271,000 | -1,510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,324,000 | 2,889,000 | 2,981,000 | 1,742,000 |
| Total capital | 3,548,000 | 3,106,000 | 3,196,000 | 1,950,000 |
| Risk-weighted assets | 17,729,000 | 17,219,000 | 17,000,000 | 15,923,000 |