Call reports 2004
PEOPLES NATIONAL BANK, NATIONAL ASSOCIATION — 2004
What PEOPLES NATIONAL BANK, NATIONAL ASSOCIATION 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 | 435,416,000 | 448,311,000 | 476,379,000 | 491,840,000 |
| Total loans | 329,132,000 | 347,190,000 | 374,879,000 | 384,952,000 |
| Allowance for loan losses | 3,746,000 | 3,884,000 | 4,119,000 | 3,984,000 |
| Securities available for sale | 59,664,000 | 61,659,000 | 56,455,000 | 60,364,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 372,951,000 | 372,067,000 | 395,702,000 | 417,110,000 |
| Interest-bearing deposits | 328,240,000 | 325,686,000 | 348,739,000 | 366,836,000 |
| Noninterest-bearing deposits | 44,711,000 | 46,381,000 | 46,963,000 | 50,274,000 |
| Equity capital | 34,760,000 | 32,917,000 | 35,951,000 | 37,099,000 |
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 | 5,593,000 | 11,138,000 | 17,131,000 | 23,370,000 |
| Interest expense | 1,783,000 | 3,512,000 | 5,447,000 | 7,584,000 |
| Net interest income | 3,810,000 | 7,626,000 | 11,684,000 | 15,786,000 |
| Noninterest income | 1,005,000 | 2,171,000 | 3,375,000 | 4,591,000 |
| Noninterest expense | 3,830,000 | 7,579,000 | 11,590,000 | 15,573,000 |
| Provision for loan losses | 270,000 | 540,000 | 810,000 | 715,000 |
| Pretax income | 787,000 | 1,777,000 | 2,777,000 | 4,218,000 |
| Income tax | 8,000 | 5,000 | 26,000 | 63,000 |
| Net income | 779,000 | 1,772,000 | 2,751,000 | 4,155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,181,000 | 33,310,000 | 35,134,000 | 36,549,000 |
| Total capital | 36,927,000 | 37,194,000 | 39,253,000 | 40,533,000 |
| Risk-weighted assets | 347,233,000 | 361,520,000 | 383,042,000 | 395,764,000 |
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