Call reports 2004
PEOPLES BANK, THE — 2004
What PEOPLES BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 120,800,000 | 122,091,000 | 121,332,000 | 127,280,000 |
| Total loans | 76,587,000 | 79,466,000 | 83,811,000 | 87,944,000 |
| Allowance for loan losses | 826,000 | 831,000 | 845,000 | 847,000 |
| Securities available for sale | 26,491,000 | 22,937,000 | 21,878,000 | 21,720,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,181,000 | 106,816,000 | 105,292,000 | 111,064,000 |
| Interest-bearing deposits | 83,731,000 | 87,397,000 | 83,937,000 | 90,103,000 |
| Noninterest-bearing deposits | 21,450,000 | 19,419,000 | 21,355,000 | 20,961,000 |
| Equity capital | 10,233,000 | 9,988,000 | 10,620,000 | 10,240,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,556,000 | 3,122,000 | 4,733,000 | 6,408,000 |
| Interest expense | 320,000 | 637,000 | 955,000 | 1,283,000 |
| Net interest income | 1,236,000 | 2,485,000 | 3,778,000 | 5,125,000 |
| Noninterest income | 219,000 | 430,000 | 643,000 | 877,000 |
| Noninterest expense | 939,000 | 2,025,000 | 3,054,000 | 4,182,000 |
| Provision for loan losses | 12,000 | 34,000 | 47,000 | 89,000 |
| Pretax income | 504,000 | 856,000 | 1,320,000 | 1,731,000 |
| Income tax | 144,000 | 290,000 | 431,000 | 590,000 |
| Net income | 360,000 | 566,000 | 889,000 | 1,141,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,811,000 | 10,025,000 | 10,358,000 | 10,043,000 |
| Total capital | 10,637,000 | 10,856,000 | 11,203,000 | 10,890,000 |
| Risk-weighted assets | 79,226,000 | 81,653,000 | 84,822,000 | 88,549,000 |
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