Call reports 2004
PEOPLES BANK — 2004
What PEOPLES BANK 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 | 64,027,000 | 61,717,000 | 61,570,000 | 58,032,000 |
| Total loans | 47,380,000 | 47,370,000 | 44,637,000 | 45,147,000 |
| Allowance for loan losses | 734,000 | 749,000 | 808,000 | 697,000 |
| Securities available for sale | 9,337,000 | 10,082,000 | 9,789,000 | 9,735,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,143,000 | 54,985,000 | 54,613,000 | 51,675,000 |
| Interest-bearing deposits | 51,137,000 | 48,149,000 | 48,421,000 | 46,161,000 |
| Noninterest-bearing deposits | 6,006,000 | 6,836,000 | 6,192,000 | 5,514,000 |
| Equity capital | 5,188,000 | 5,115,000 | 5,322,000 | 4,948,000 |
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 | 838,000 | 1,671,000 | 2,413,000 | 3,257,000 |
| Interest expense | 224,000 | 413,000 | 600,000 | 797,000 |
| Net interest income | 614,000 | 1,258,000 | 1,813,000 | 2,460,000 |
| Noninterest income | 126,000 | 250,000 | 385,000 | 513,000 |
| Noninterest expense | 519,000 | 1,055,000 | 1,602,000 | 2,206,000 |
| Provision for loan losses | 15,000 | 30,000 | 90,000 | 578,000 |
| Pretax income | 210,000 | 427,000 | 510,000 | 193,000 |
| Income tax | 71,000 | 145,000 | 172,000 | 52,000 |
| Net income | 139,000 | 282,000 | 338,000 | 141,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,171,000 | 5,314,000 | 5,370,000 | 5,018,000 |
| Total capital | 5,797,000 | 5,941,000 | 5,969,000 | 5,613,000 |
| Risk-weighted assets | 49,996,000 | 50,012,000 | 47,750,000 | 47,510,000 |
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