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 | 64,719,000 | 69,739,000 | 69,396,000 | 71,104,000 |
| Total loans | 37,460,000 | 39,055,000 | 39,957,000 | 40,859,000 |
| Allowance for loan losses | 640,000 | 671,000 | 685,000 | 718,000 |
| Securities available for sale | 17,429,000 | 18,724,000 | 20,297,000 | 21,220,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,061,000 | 61,999,000 | 61,280,000 | 62,891,000 |
| Interest-bearing deposits | 49,768,000 | 52,530,000 | 51,780,000 | 54,333,000 |
| Noninterest-bearing deposits | 7,293,000 | 9,469,000 | 9,500,000 | 8,558,000 |
| Equity capital | 7,308,000 | 7,499,000 | 7,807,000 | 7,871,000 |
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 | 891,000 | 1,858,000 | 2,952,000 | 4,079,000 |
| Interest expense | 248,000 | 562,000 | 920,000 | 1,331,000 |
| Net interest income | 643,000 | 1,296,000 | 2,032,000 | 2,748,000 |
| Noninterest income | 70,000 | 147,000 | 228,000 | 323,000 |
| Noninterest expense | 326,000 | 650,000 | 986,000 | 1,342,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 150,000 |
| Pretax income | 357,000 | 733,000 | 1,184,000 | 1,579,000 |
| Income tax | 131,000 | 269,000 | 437,000 | 568,000 |
| Net income | 226,000 | 464,000 | 747,000 | 1,011,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,344,000 | 7,583,000 | 7,866,000 | 7,973,000 |
| Total capital | 7,897,000 | 8,163,000 | 8,454,000 | 8,577,000 |
| Risk-weighted assets | 43,981,000 | 46,314,000 | 46,940,000 | 48,245,000 |