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 | 301,723,000 | 298,088,000 | 306,987,000 | 297,822,000 |
| Total loans | 133,891,000 | 133,239,000 | 137,200,000 | 134,761,000 |
| Allowance for loan losses | 1,975,000 | 1,874,000 | 1,959,000 | 1,960,000 |
| Securities available for sale | 103,539,000 | 105,288,000 | 103,121,000 | 94,870,000 |
| Securities held to maturity | 37,307,000 | 38,570,000 | 43,681,000 | 46,969,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 252,117,000 | 248,906,000 | 253,467,000 | 247,621,000 |
| Interest-bearing deposits | 223,904,000 | 221,972,000 | 225,325,000 | 217,472,000 |
| Noninterest-bearing deposits | 28,213,000 | 26,934,000 | 28,142,000 | 30,149,000 |
| Equity capital | 29,011,000 | 27,284,000 | 28,464,000 | 28,529,000 |
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 | 3,711,000 | 7,326,000 | 11,009,000 | 14,688,000 |
| Interest expense | 1,411,000 | 2,794,000 | 4,200,000 | 5,651,000 |
| Net interest income | 2,300,000 | 4,532,000 | 6,809,000 | 9,037,000 |
| Noninterest income | 624,000 | 1,274,000 | 1,982,000 | 2,797,000 |
| Noninterest expense | 1,747,000 | 3,521,000 | 5,499,000 | 7,345,000 |
| Provision for loan losses | 90,000 | 181,000 | 274,000 | 271,000 |
| Pretax income | 1,087,000 | 2,104,000 | 3,018,000 | 4,218,000 |
| Income tax | 179,000 | 427,000 | 675,000 | 829,000 |
| Net income | 908,000 | 1,677,000 | 2,343,000 | 3,389,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,219,000 | 27,369,000 | 27,417,000 | 27,844,000 |
| Total capital | 29,066,000 | 29,218,000 | 29,302,000 | 29,701,000 |
| Risk-weighted assets | 146,872,000 | 147,101,000 | 149,954,000 | 147,709,000 |
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