Call reports 2004
PEOPLES BANK, A CODORUS VALLEY COMPANY — 2004
What PEOPLES BANK, A CODORUS VALLEY COMPANY 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 | 374,022,000 | 385,301,000 | 393,029,000 | 401,643,000 |
| Total loans | 267,525,000 | 279,556,000 | 289,717,000 | 302,227,000 |
| Allowance for loan losses | 1,768,000 | 1,717,000 | 1,719,000 | 1,865,000 |
| Securities available for sale | 61,576,000 | 61,257,000 | 62,744,000 | 62,587,000 |
| Securities held to maturity | 5,578,000 | 5,577,000 | 5,576,000 | 5,575,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 318,482,000 | 331,341,000 | 325,636,000 | 330,294,000 |
| Interest-bearing deposits | 282,466,000 | 288,134,000 | 285,363,000 | 288,641,000 |
| Noninterest-bearing deposits | 36,016,000 | 43,207,000 | 40,273,000 | 41,653,000 |
| Equity capital | 30,008,000 | 29,634,000 | 31,232,000 | 34,534,000 |
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 | 4,863,000 | 9,712,000 | 14,806,000 | 20,291,000 |
| Interest expense | 1,579,000 | 3,152,000 | 4,772,000 | 6,441,000 |
| Net interest income | 3,284,000 | 6,560,000 | 10,034,000 | 13,850,000 |
| Noninterest income | 1,111,000 | 2,159,000 | 3,320,000 | 4,590,000 |
| Noninterest expense | 3,052,000 | 6,097,000 | 9,205,000 | 12,442,000 |
| Provision for loan losses | 50,000 | 175,000 | 205,000 | 420,000 |
| Pretax income | 1,300,000 | 2,454,000 | 3,982,000 | 5,616,000 |
| Income tax | 346,000 | 647,000 | 1,036,000 | 1,440,000 |
| Net income | 954,000 | 1,807,000 | 2,946,000 | 4,176,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,652,000 | 28,944,000 | 30,219,000 | 33,837,000 |
| Total capital | 30,420,000 | 30,661,000 | 31,938,000 | 35,702,000 |
| Risk-weighted assets | 293,430,000 | 302,398,000 | 308,604,000 | 319,353,000 |