Call reports 2004
PEOPLES BANK CO., THE — 2004
What PEOPLES BANK CO., THE 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 | 266,823,000 | 264,024,000 | 259,541,000 | 257,988,000 |
| Total loans | 175,800,000 | 168,274,000 | 173,367,000 | 178,164,000 |
| Allowance for loan losses | 2,117,000 | 2,117,000 | 2,131,000 | 2,129,000 |
| Securities available for sale | 69,695,000 | 73,142,000 | 69,586,000 | 64,838,000 |
| Securities held to maturity | 2,210,000 | 2,069,000 | 3,017,000 | 2,258,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 235,374,000 | 233,039,000 | 226,946,000 | 229,134,000 |
| Interest-bearing deposits | 210,816,000 | 207,852,000 | 201,708,000 | 199,610,000 |
| Noninterest-bearing deposits | 24,558,000 | 25,187,000 | 25,238,000 | 29,524,000 |
| Equity capital | 26,255,000 | 26,187,000 | 27,700,000 | 25,850,000 |
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 | 3,095,000 | 6,240,000 | 9,417,000 | 12,632,000 |
| Interest expense | 968,000 | 1,916,000 | 2,880,000 | 3,867,000 |
| Net interest income | 2,127,000 | 4,324,000 | 6,537,000 | 8,765,000 |
| Noninterest income | 226,000 | 492,000 | 758,000 | 1,014,000 |
| Noninterest expense | 1,092,000 | 2,213,000 | 3,351,000 | 4,602,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 90,000 |
| Pretax income | 1,231,000 | 2,543,000 | 3,854,000 | 5,087,000 |
| Income tax | 389,000 | 804,000 | 1,216,000 | 1,594,000 |
| Net income | 842,000 | 1,739,000 | 2,638,000 | 3,493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,712,000 | 26,597,000 | 27,522,000 | 25,878,000 |
| Total capital | 27,787,000 | 28,572,000 | 29,505,000 | 27,883,000 |
| Risk-weighted assets | 165,852,000 | 157,852,000 | 158,570,000 | 160,305,000 |
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