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 | 60,756,000 | 63,138,000 | 64,219,000 | 63,393,000 |
| Total loans | 34,803,000 | 35,348,000 | 37,679,000 | 37,686,000 |
| Allowance for loan losses | 492,000 | 538,000 | 569,000 | 610,000 |
| Securities available for sale | 15,524,000 | 15,680,000 | 17,667,000 | 17,923,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,829,000 | 56,148,000 | 56,932,000 | 55,951,000 |
| Interest-bearing deposits | 47,525,000 | 49,117,000 | 48,693,000 | 48,612,000 |
| Noninterest-bearing deposits | 6,304,000 | 7,031,000 | 8,239,000 | 7,339,000 |
| Equity capital | 6,656,000 | 6,794,000 | 7,066,000 | 7,110,000 |
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 | 790,000 | 1,567,000 | 2,400,000 | 3,286,000 |
| Interest expense | 166,000 | 332,000 | 513,000 | 728,000 |
| Net interest income | 624,000 | 1,235,000 | 1,887,000 | 2,558,000 |
| Noninterest income | 74,000 | 145,000 | 212,000 | 290,000 |
| Noninterest expense | 307,000 | 640,000 | 922,000 | 1,288,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 346,000 | 650,000 | 1,042,000 | 1,380,000 |
| Income tax | 126,000 | 238,000 | 373,000 | 489,000 |
| Net income | 220,000 | 412,000 | 669,000 | 891,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,580,000 | 6,772,000 | 7,029,000 | 7,119,000 |
| Total capital | 7,072,000 | 7,293,000 | 7,572,000 | 7,664,000 |
| Risk-weighted assets | 41,548,000 | 41,659,000 | 43,413,000 | 43,530,000 |