Call reports 2003
PEOPLES BANK, A CODORUS VALLEY COMPANY — 2003
What PEOPLES BANK, A CODORUS VALLEY COMPANY 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 | 349,150,000 | 359,498,000 | 355,899,000 | 366,376,000 |
| Total loans | 243,246,000 | 246,915,000 | 255,128,000 | 264,395,000 |
| Allowance for loan losses | 1,515,000 | 1,539,000 | 1,775,000 | 1,694,000 |
| Securities available for sale | 63,268,000 | 59,726,000 | 66,218,000 | 62,738,000 |
| Securities held to maturity | 5,580,000 | 5,580,000 | 5,579,000 | 5,578,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 304,187,000 | 308,968,000 | 305,221,000 | 304,872,000 |
| Interest-bearing deposits | 271,895,000 | 273,197,000 | 272,274,000 | 271,094,000 |
| Noninterest-bearing deposits | 32,292,000 | 35,771,000 | 32,947,000 | 33,778,000 |
| Equity capital | 28,035,000 | 28,758,000 | 28,851,000 | 29,135,000 |
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 | 4,829,000 | 9,697,000 | 14,937,000 | 19,784,000 |
| Interest expense | 1,748,000 | 3,468,000 | 5,136,000 | 6,764,000 |
| Net interest income | 3,081,000 | 6,229,000 | 9,801,000 | 13,020,000 |
| Noninterest income | 998,000 | 2,030,000 | 3,233,000 | 4,240,000 |
| Noninterest expense | 3,045,000 | 6,128,000 | 9,049,000 | 12,226,000 |
| Provision for loan losses | 37,000 | 224,000 | 478,000 | 553,000 |
| Pretax income | 1,164,000 | 2,173,000 | 3,773,000 | 4,747,000 |
| Income tax | 294,000 | 537,000 | 984,000 | 1,220,000 |
| Net income | 870,000 | 1,636,000 | 2,789,000 | 3,527,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,499,000 | 26,953,000 | 27,646,000 | 28,048,000 |
| Total capital | 28,014,000 | 28,492,000 | 29,421,000 | 29,742,000 |
| Risk-weighted assets | 269,420,000 | 270,466,000 | 273,607,000 | 287,607,000 |
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