Call reports 2004
PEOPLES BANK — 2004
What PEOPLES 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 | 43,438,000 | 43,638,000 | 44,884,000 | 45,169,000 |
| Total loans | 34,272,000 | 34,566,000 | 37,426,000 | 36,884,000 |
| Allowance for loan losses | 656,000 | 659,000 | 641,000 | 699,000 |
| Securities available for sale | 250,000 | 250,000 | 250,000 | 250,000 |
| Securities held to maturity | 5,893,000 | 4,327,000 | 4,271,000 | 4,227,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,936,000 | 36,371,000 | 36,719,000 | 36,962,000 |
| Interest-bearing deposits | 31,286,000 | 31,577,000 | 31,684,000 | 31,788,000 |
| Noninterest-bearing deposits | 4,650,000 | 4,794,000 | 5,035,000 | 5,174,000 |
| Equity capital | 3,697,000 | 3,825,000 | 3,961,000 | 3,853,000 |
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 | 608,000 | 1,180,000 | 1,776,000 | 2,396,000 |
| Interest expense | 158,000 | 308,000 | 468,000 | 652,000 |
| Net interest income | 450,000 | 872,000 | 1,308,000 | 1,744,000 |
| Noninterest income | 76,000 | 159,000 | 239,000 | 320,000 |
| Noninterest expense | 287,000 | 589,000 | 889,000 | 1,212,000 |
| Provision for loan losses | 11,000 | 21,000 | 32,000 | 405,000 |
| Pretax income | 228,000 | 421,000 | 626,000 | 447,000 |
| Income tax | 78,000 | 143,000 | 212,000 | 141,000 |
| Net income | 150,000 | 278,000 | 414,000 | 306,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,600,000 | 3,728,000 | 3,864,000 | 3,756,000 |
| Total capital | 4,045,000 | 4,180,000 | 4,353,000 | 4,241,000 |
| Risk-weighted assets | 35,351,000 | 35,938,000 | 38,962,000 | 38,563,000 |