Call reports 2003
PEOPLES BANK OF MARYLAND, THE — 2003
What PEOPLES BANK OF MARYLAND, THE 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 | 110,719,000 | 109,800,000 | 111,380,000 | 107,654,000 |
| Total loans | 72,869,000 | 74,474,000 | 76,998,000 | 79,484,000 |
| Allowance for loan losses | 1,571,000 | 1,519,000 | 1,501,000 | 1,344,000 |
| Securities available for sale | 30,051,000 | 27,064,000 | 23,456,000 | 20,452,000 |
| Securities held to maturity | 270,000 | 250,000 | 250,000 | 250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,879,000 | 88,954,000 | 88,200,000 | 88,237,000 |
| Interest-bearing deposits | 62,118,000 | 63,638,000 | 60,860,000 | 63,475,000 |
| Noninterest-bearing deposits | 25,761,000 | 25,316,000 | 27,340,000 | 24,762,000 |
| Equity capital | 12,680,000 | 12,751,000 | 10,616,000 | 10,805,000 |
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 | 1,555,000 | 3,148,000 | 4,695,000 | 6,201,000 |
| Interest expense | 310,000 | 614,000 | 902,000 | 1,182,000 |
| Net interest income | 1,245,000 | 2,534,000 | 3,793,000 | 5,019,000 |
| Noninterest income | 227,000 | 475,000 | 710,000 | 970,000 |
| Noninterest expense | 720,000 | 1,456,000 | 2,184,000 | 2,926,000 |
| Provision for loan losses | 0 | 0 | 0 | -150,000 |
| Pretax income | 764,000 | 1,565,000 | 2,331,000 | 3,225,000 |
| Income tax | 273,000 | 566,000 | 850,000 | 1,174,000 |
| Net income | 491,000 | 999,000 | 1,481,000 | 2,051,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,056,000 | 12,197,000 | 10,237,000 | 10,480,000 |
| Total capital | 12,888,000 | 13,049,000 | 13,221,000 | 13,485,000 |
| Risk-weighted assets | 65,818,000 | 67,529,000 | 70,141,000 | 71,974,000 |