Call reports 2006
PEOPLES BANK, A CODORUS VALLEY COMPANY — 2006
What PEOPLES BANK, A CODORUS VALLEY COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 483,735,000 | 510,470,000 | 518,185,000 | 542,667,000 |
| Total loans | 375,834,000 | 392,459,000 | 400,488,000 | 409,078,000 |
| Allowance for loan losses | 2,763,000 | 2,925,000 | 2,969,000 | 3,126,000 |
| Securities available for sale | 58,084,000 | 57,582,000 | 64,206,000 | 71,491,000 |
| Securities held to maturity | 5,571,000 | 5,570,000 | 5,569,000 | 4,553,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 408,186,000 | 428,178,000 | 434,045,000 | 457,990,000 |
| Interest-bearing deposits | 357,382,000 | 375,623,000 | 383,909,000 | 407,455,000 |
| Noninterest-bearing deposits | 50,804,000 | 52,555,000 | 50,136,000 | 50,535,000 |
| Equity capital | 38,165,000 | 45,868,000 | 47,773,000 | 48,329,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 7,744,000 | 15,649,000 | 24,260,000 | 33,081,000 |
| Interest expense | 3,017,000 | 6,435,000 | 10,343,000 | 14,487,000 |
| Net interest income | 4,727,000 | 9,214,000 | 13,917,000 | 18,594,000 |
| Noninterest income | 1,283,000 | 2,734,000 | 4,032,000 | 5,523,000 |
| Noninterest expense | 3,835,000 | 7,584,000 | 11,272,000 | 15,585,000 |
| Provision for loan losses | 210,000 | 355,000 | 500,000 | 650,000 |
| Pretax income | 1,965,000 | 4,009,000 | 6,177,000 | 7,802,000 |
| Income tax | 527,000 | 1,076,000 | 1,665,000 | 2,060,000 |
| Net income | 1,438,000 | 2,933,000 | 4,512,000 | 5,742,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,240,000 | 46,332,000 | 47,489,000 | 48,130,000 |
| Total capital | 41,003,000 | 49,257,000 | 50,458,000 | 51,256,000 |
| Risk-weighted assets | 394,538,000 | 411,107,000 | 422,123,000 | 432,891,000 |