Call reports 2005
PEOPLES BANK, A CODORUS VALLEY COMPANY — 2005
What PEOPLES BANK, A CODORUS VALLEY COMPANY 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 | 413,957,000 | 431,157,000 | 443,609,000 | 470,149,000 |
| Total loans | 313,585,000 | 322,530,000 | 340,485,000 | 371,527,000 |
| Allowance for loan losses | 2,064,000 | 2,207,000 | 2,277,000 | 2,538,000 |
| Securities available for sale | 60,444,000 | 61,632,000 | 60,638,000 | 58,111,000 |
| Securities held to maturity | 5,574,000 | 5,574,000 | 5,573,000 | 5,572,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 345,495,000 | 358,273,000 | 369,928,000 | 386,012,000 |
| Interest-bearing deposits | 301,237,000 | 309,628,000 | 319,343,000 | 335,786,000 |
| Noninterest-bearing deposits | 44,258,000 | 48,645,000 | 50,585,000 | 50,226,000 |
| Equity capital | 35,000,000 | 36,128,000 | 36,784,000 | 37,272,000 |
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 | 5,823,000 | 11,787,000 | 18,286,000 | 25,402,000 |
| Interest expense | 1,840,000 | 3,917,000 | 6,238,000 | 8,902,000 |
| Net interest income | 3,983,000 | 7,870,000 | 12,048,000 | 16,500,000 |
| Noninterest income | 1,192,000 | 2,546,000 | 3,962,000 | 5,244,000 |
| Noninterest expense | 3,238,000 | 6,683,000 | 10,269,000 | 14,318,000 |
| Provision for loan losses | 200,000 | 375,000 | 525,000 | 775,000 |
| Pretax income | 1,737,000 | 3,272,000 | 5,130,000 | 6,565,000 |
| Income tax | 456,000 | 839,000 | 1,332,000 | 1,686,000 |
| Net income | 1,281,000 | 2,433,000 | 3,798,000 | 4,879,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,752,000 | 35,540,000 | 36,521,000 | 37,201,000 |
| Total capital | 36,816,000 | 37,747,000 | 38,798,000 | 39,739,000 |
| Risk-weighted assets | 331,418,000 | 341,614,000 | 356,241,000 | 386,572,000 |