Call reports 2003
PEOPLESBANK — 2003
What PEOPLESBANK 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 | 881,572,000 | 885,708,000 | 909,787,000 | 903,354,000 |
| Total loans | 556,655,000 | 564,376,000 | 575,536,000 | 580,018,000 |
| Allowance for loan losses | 4,976,000 | 5,060,000 | 5,187,000 | 5,296,000 |
| Securities available for sale | 245,312,000 | 248,633,000 | 259,576,000 | 250,167,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 588,368,000 | 584,549,000 | 581,154,000 | 569,115,000 |
| Interest-bearing deposits | 541,048,000 | 534,684,000 | 528,413,000 | 505,969,000 |
| Noninterest-bearing deposits | 47,320,000 | 49,865,000 | 52,741,000 | 63,146,000 |
| Equity capital | 96,095,000 | 98,333,000 | 99,490,000 | 90,974,000 |
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 | 11,799,000 | 23,279,000 | 34,356,000 | 45,445,000 |
| Interest expense | 4,513,000 | 8,654,000 | 12,679,000 | 16,525,000 |
| Net interest income | 7,286,000 | 14,625,000 | 21,677,000 | 28,920,000 |
| Noninterest income | 935,000 | 2,234,000 | 3,343,000 | 4,690,000 |
| Noninterest expense | 4,467,000 | 9,604,000 | 14,510,000 | 20,446,000 |
| Provision for loan losses | 370,000 | 370,000 | 511,000 | 676,000 |
| Pretax income | 3,384,000 | 6,881,000 | 10,119,000 | 13,252,000 |
| Income tax | 2,671,000 | 3,267,000 | 4,407,000 | 5,467,000 |
| Net income | 713,000 | 3,614,000 | 5,712,000 | 7,785,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 90,854,000 | 93,749,000 | 95,847,000 | 88,719,000 |
| Total capital | 95,830,000 | 98,809,000 | 101,034,000 | 94,015,000 |
| Risk-weighted assets | 586,298,000 | 581,335,000 | 585,687,000 | 589,649,000 |
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