Call reports 2003
PEOPLES BANK — 2003
What PEOPLES BANK 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 | 44,931,000 | 44,522,000 | 45,768,000 | 45,625,000 |
| Total loans | 31,879,000 | 32,748,000 | 34,469,000 | 33,473,000 |
| Allowance for loan losses | 560,000 | 568,000 | 642,000 | 639,000 |
| Securities available for sale | 250,000 | 250,000 | 250,000 | 250,000 |
| Securities held to maturity | 4,479,000 | 4,988,000 | 6,707,000 | 5,943,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,026,000 | 36,681,000 | 37,742,000 | 37,935,000 |
| Interest-bearing deposits | 31,995,000 | 31,791,000 | 32,158,000 | 32,515,000 |
| Noninterest-bearing deposits | 5,031,000 | 4,890,000 | 5,584,000 | 5,420,000 |
| Equity capital | 3,393,000 | 3,516,000 | 3,650,000 | 3,747,000 |
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 | 609,000 | 1,209,000 | 1,825,000 | 2,417,000 |
| Interest expense | 210,000 | 414,000 | 605,000 | 771,000 |
| Net interest income | 399,000 | 795,000 | 1,220,000 | 1,646,000 |
| Noninterest income | 53,000 | 127,000 | 206,000 | 285,000 |
| Noninterest expense | 286,000 | 554,000 | 839,000 | 1,191,000 |
| Provision for loan losses | 15,000 | 30,000 | 44,000 | 60,000 |
| Pretax income | 151,000 | 338,000 | 543,000 | 680,000 |
| Income tax | 51,000 | 115,000 | 186,000 | 226,000 |
| Net income | 100,000 | 223,000 | 357,000 | 454,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,296,000 | 3,419,000 | 3,553,000 | 3,650,000 |
| Total capital | 3,723,000 | 3,856,000 | 4,010,000 | 4,098,000 |
| Risk-weighted assets | 34,020,000 | 34,844,000 | 36,374,000 | 35,642,000 |