Call reports 2005
PEOPLES BANK — 2005
What PEOPLES BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 44,686,000 | 42,489,000 | 43,435,000 | 45,279,000 |
| Total loans | 34,360,000 | 33,751,000 | 34,676,000 | 35,008,000 |
| Allowance for loan losses | 700,000 | 723,000 | 730,000 | 754,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,434,000 | 4,851,000 | 4,840,000 | 4,831,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,751,000 | 36,534,000 | 37,588,000 | 39,417,000 |
| Interest-bearing deposits | 32,519,000 | 31,820,000 | 32,317,000 | 34,493,000 |
| Noninterest-bearing deposits | 5,232,000 | 4,714,000 | 5,271,000 | 4,924,000 |
| Equity capital | 3,816,000 | 3,924,000 | 3,851,000 | 3,970,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 615,000 | 1,250,000 | 1,938,000 | 2,674,000 |
| Interest expense | 194,000 | 394,000 | 610,000 | 862,000 |
| Net interest income | 421,000 | 856,000 | 1,328,000 | 1,812,000 |
| Noninterest income | 68,000 | 140,000 | 210,000 | 278,000 |
| Noninterest expense | 309,000 | 641,000 | 983,000 | 1,342,000 |
| Provision for loan losses | 11,000 | 21,000 | 32,000 | 42,000 |
| Pretax income | 169,000 | 334,000 | 523,000 | 706,000 |
| Income tax | 57,000 | 113,000 | 175,000 | 239,000 |
| Net income | 112,000 | 221,000 | 348,000 | 467,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,719,000 | 3,827,000 | 3,754,000 | 3,873,000 |
| Total capital | 4,177,000 | 4,279,000 | 4,225,000 | 4,351,000 |
| Risk-weighted assets | 36,383,000 | 35,924,000 | 37,449,000 | 37,987,000 |