Call reports 2004
PEOPLESSOUTH BANK — 2004
What PEOPLESSOUTH BANK 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 | 116,750,000 | 122,328,000 | 129,082,000 | 124,573,000 |
| Total loans | 95,032,000 | 99,079,000 | 103,181,000 | 95,050,000 |
| Allowance for loan losses | 1,086,000 | 1,177,000 | 1,257,000 | 1,262,000 |
| Securities available for sale | 10,281,000 | 15,405,000 | 14,620,000 | 17,050,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,859,000 | 103,524,000 | 113,229,000 | 114,159,000 |
| Interest-bearing deposits | 91,320,000 | 94,541,000 | 103,321,000 | 102,825,000 |
| Noninterest-bearing deposits | 9,539,000 | 8,983,000 | 9,908,000 | 11,334,000 |
| Equity capital | 8,348,000 | 8,421,000 | 9,081,000 | 9,564,000 |
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 | 1,596,000 | 3,235,000 | 5,076,000 | 7,014,000 |
| Interest expense | 509,000 | 1,013,000 | 1,580,000 | 2,173,000 |
| Net interest income | 1,087,000 | 2,222,000 | 3,496,000 | 4,841,000 |
| Noninterest income | 104,000 | 231,000 | 356,000 | 464,000 |
| Noninterest expense | 656,000 | 1,260,000 | 1,871,000 | 2,482,000 |
| Provision for loan losses | 55,000 | 115,000 | 200,000 | 230,000 |
| Pretax income | 480,000 | 1,079,000 | 1,812,000 | 2,626,000 |
| Income tax | 151,000 | 351,000 | 619,000 | 898,000 |
| Net income | 329,000 | 728,000 | 1,193,000 | 1,728,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,089,000 | 8,438,000 | 8,902,000 | 9,438,000 |
| Total capital | 9,175,000 | 9,615,000 | 10,148,000 | 10,674,000 |
| Risk-weighted assets | 90,894,000 | 95,316,000 | 99,634,000 | 98,869,000 |
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