Call reports 2004
PEOPLES BANK, THE — 2004
What PEOPLES BANK, 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 | 198,189,000 | 193,227,000 | 193,379,000 | 198,060,000 |
| Total loans | 110,289,000 | 109,682,000 | 105,798,000 | 115,116,000 |
| Allowance for loan losses | 2,778,000 | 2,765,000 | 2,769,000 | 2,600,000 |
| Securities available for sale | 26,905,000 | 25,571,000 | 28,581,000 | 29,127,000 |
| Securities held to maturity | 44,987,000 | 42,422,000 | 45,518,000 | 46,418,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,345,000 | 160,383,000 | 159,644,000 | 161,984,000 |
| Interest-bearing deposits | 133,073,000 | 128,053,000 | 126,791,000 | 129,060,000 |
| Noninterest-bearing deposits | 32,272,000 | 32,330,000 | 32,853,000 | 32,924,000 |
| Equity capital | 26,721,000 | 26,956,000 | 27,619,000 | 28,315,000 |
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 | 2,804,000 | 5,725,000 | 8,468,000 | 11,247,000 |
| Interest expense | 588,000 | 1,153,000 | 1,727,000 | 2,346,000 |
| Net interest income | 2,216,000 | 4,572,000 | 6,741,000 | 8,901,000 |
| Noninterest income | 416,000 | 845,000 | 1,272,000 | 2,177,000 |
| Noninterest expense | 1,640,000 | 3,252,000 | 4,983,000 | 7,030,000 |
| Provision for loan losses | 48,000 | 96,000 | 144,000 | -16,000 |
| Pretax income | 960,000 | 2,105,000 | 2,930,000 | 4,112,000 |
| Income tax | 425,000 | 785,000 | 1,055,000 | 1,365,000 |
| Net income | 535,000 | 1,320,000 | 1,875,000 | 2,747,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,781,000 | 25,556,000 | 26,101,000 | 26,963,000 |
| Total capital | 30,753,000 | 31,510,000 | 31,990,000 | 32,925,000 |
| Risk-weighted assets | 124,376,000 | 122,890,000 | 117,695,000 | 126,306,000 |
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