Call reports 2003
PEOPLES COMMUNITY BANK — 2003
What PEOPLES COMMUNITY 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 | 65,908,000 | 66,580,000 | 65,495,000 | 67,384,000 |
| Total loans | 47,232,000 | 47,992,000 | 47,895,000 | 47,454,000 |
| Allowance for loan losses | 924,000 | 961,000 | 996,000 | 1,011,000 |
| Securities available for sale | 5,320,000 | 5,504,000 | 5,638,000 | 6,212,000 |
| Securities held to maturity | 663,000 | 459,000 | 35,000 | 33,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,704,000 | 57,555,000 | 56,372,000 | 57,985,000 |
| Interest-bearing deposits | 50,158,000 | 50,326,000 | 49,591,000 | 51,263,000 |
| Noninterest-bearing deposits | 6,546,000 | 7,229,000 | 6,781,000 | 6,722,000 |
| Equity capital | 8,988,000 | 8,750,000 | 8,837,000 | 9,210,000 |
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 | 958,000 | 1,918,000 | 3,087,000 | 4,087,000 |
| Interest expense | 206,000 | 415,000 | 612,000 | 791,000 |
| Net interest income | 752,000 | 1,503,000 | 2,475,000 | 3,296,000 |
| Noninterest income | 208,000 | 478,000 | 738,000 | 981,000 |
| Noninterest expense | 547,000 | 1,150,000 | 1,789,000 | 2,489,000 |
| Provision for loan losses | 42,000 | 84,000 | 126,000 | 168,000 |
| Pretax income | 371,000 | 747,000 | 1,298,000 | 1,620,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 371,000 | 747,000 | 1,298,000 | 1,620,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,719,000 | 8,396,000 | 8,597,000 | 8,919,000 |
| Total capital | 9,275,000 | 8,960,000 | 9,154,000 | 9,401,000 |
| Risk-weighted assets | 44,145,000 | 44,753,000 | 44,094,000 | 38,025,000 |