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 | 54,816,000 | 59,058,000 | 57,351,000 | 60,077,000 |
| Total loans | 31,281,000 | 31,990,000 | 32,003,000 | 33,125,000 |
| Allowance for loan losses | 356,000 | 377,000 | 407,000 | 448,000 |
| Securities available for sale | 15,166,000 | 16,742,000 | 16,085,000 | 16,996,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,517,000 | 52,421,000 | 50,384,000 | 52,902,000 |
| Interest-bearing deposits | 43,516,000 | 46,889,000 | 44,179,000 | 46,371,000 |
| Noninterest-bearing deposits | 5,001,000 | 5,532,000 | 6,205,000 | 6,531,000 |
| Equity capital | 6,034,000 | 6,238,000 | 6,429,000 | 6,433,000 |
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 | 715,000 | 1,482,000 | 2,261,000 | 3,044,000 |
| Interest expense | 213,000 | 411,000 | 590,000 | 761,000 |
| Net interest income | 502,000 | 1,071,000 | 1,671,000 | 2,283,000 |
| Noninterest income | 56,000 | 116,000 | 180,000 | 246,000 |
| Noninterest expense | 263,000 | 550,000 | 809,000 | 1,172,000 |
| Provision for loan losses | 30,000 | 60,000 | 100,000 | 145,000 |
| Pretax income | 265,000 | 577,000 | 942,000 | 1,212,000 |
| Income tax | 87,000 | 209,000 | 344,000 | 447,000 |
| Net income | 178,000 | 368,000 | 598,000 | 765,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,904,000 | 6,094,000 | 6,324,000 | 6,360,000 |
| Total capital | 6,260,000 | 6,471,000 | 6,731,000 | 6,808,000 |
| Risk-weighted assets | 36,600,000 | 38,333,000 | 38,121,000 | 40,290,000 |
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