Call reports 2003
PEOPLES BANK CO., THE — 2003
What PEOPLES BANK CO., THE 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 | 245,580,000 | 248,385,000 | 252,979,000 | 252,833,000 |
| Total loans | 171,318,000 | 172,421,000 | 170,661,000 | 175,128,000 |
| Allowance for loan losses | 2,019,000 | 2,062,000 | 2,061,000 | 2,083,000 |
| Securities available for sale | 47,317,000 | 51,568,000 | 59,025,000 | 61,227,000 |
| Securities held to maturity | 3,511,000 | 3,832,000 | 3,556,000 | 1,946,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,715,000 | 220,822,000 | 226,561,000 | 226,575,000 |
| Interest-bearing deposits | 195,660,000 | 195,439,000 | 197,338,000 | 200,456,000 |
| Noninterest-bearing deposits | 23,055,000 | 25,383,000 | 29,223,000 | 26,119,000 |
| Equity capital | 25,453,000 | 26,680,000 | 25,455,000 | 25,262,000 |
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 | 3,338,000 | 6,598,000 | 9,791,000 | 12,901,000 |
| Interest expense | 1,137,000 | 2,231,000 | 3,238,000 | 4,212,000 |
| Net interest income | 2,201,000 | 4,367,000 | 6,553,000 | 8,689,000 |
| Noninterest income | 408,000 | 881,000 | 1,297,000 | 1,585,000 |
| Noninterest expense | 1,073,000 | 2,145,000 | 3,220,000 | 4,443,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 1,506,000 | 3,043,000 | 4,540,000 | 5,711,000 |
| Income tax | 480,000 | 969,000 | 1,445,000 | 1,795,000 |
| Net income | 1,026,000 | 2,074,000 | 3,095,000 | 3,916,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,986,000 | 26,031,000 | 25,040,000 | 24,849,000 |
| Total capital | 26,995,000 | 28,073,000 | 27,071,000 | 26,877,000 |
| Risk-weighted assets | 160,592,000 | 162,980,000 | 162,430,000 | 162,147,000 |
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