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 | 25,621,000 | 24,781,000 | 23,175,000 | 21,528,000 |
| Total loans | 14,679,000 | 13,856,000 | 14,672,000 | 12,484,000 |
| Allowance for loan losses | 716,000 | 780,000 | 765,000 | 745,000 |
| Securities available for sale | 3,670,000 | 3,426,000 | 3,731,000 | 3,832,000 |
| Securities held to maturity | 1,449,000 | 1,345,000 | 1,339,000 | 1,334,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,717,000 | 22,868,000 | 21,316,000 | 19,679,000 |
| Interest-bearing deposits | 19,916,000 | 19,126,000 | 17,422,000 | 15,619,000 |
| Noninterest-bearing deposits | 3,801,000 | 3,742,000 | 3,894,000 | 4,060,000 |
| Equity capital | 1,835,000 | 1,819,000 | 1,781,000 | 1,817,000 |
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 | 433,000 | 895,000 | 1,302,000 | 1,688,000 |
| Interest expense | 133,000 | 259,000 | 369,000 | 463,000 |
| Net interest income | 300,000 | 636,000 | 933,000 | 1,225,000 |
| Noninterest income | 75,000 | 84,000 | 117,000 | 170,000 |
| Noninterest expense | 252,000 | 516,000 | 783,000 | 1,078,000 |
| Provision for loan losses | 66,000 | 256,000 | 361,000 | 406,000 |
| Pretax income | 57,000 | -52,000 | -94,000 | -89,000 |
| Income tax | 0 | 14,000 | 13,000 | -12,000 |
| Net income | 57,000 | -66,000 | -107,000 | -77,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,799,000 | 1,776,000 | 1,785,000 | 1,815,000 |
| Total capital | 2,013,000 | 1,979,000 | 1,986,000 | 1,989,000 |
| Risk-weighted assets | 16,625,000 | 15,627,000 | 15,526,000 | 13,349,000 |