Call reports 2005
PEOPLES BANK — 2005
What PEOPLES BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 59,494,000 | 62,047,000 | 62,039,000 | 57,903,000 |
| Total loans | 45,854,000 | 45,890,000 | 43,775,000 | 42,479,000 |
| Allowance for loan losses | 713,000 | 726,000 | 742,000 | 737,000 |
| Securities available for sale | 9,591,000 | 9,631,000 | 9,601,000 | 9,518,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,924,000 | 56,190,000 | 55,836,000 | 52,177,000 |
| Interest-bearing deposits | 47,597,000 | 49,717,000 | 48,883,000 | 46,261,000 |
| Noninterest-bearing deposits | 6,327,000 | 6,473,000 | 6,953,000 | 5,916,000 |
| Equity capital | 5,056,000 | 5,228,000 | 5,432,000 | 5,024,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 860,000 | 1,737,000 | 2,749,000 | 3,809,000 |
| Interest expense | 192,000 | 434,000 | 712,000 | 994,000 |
| Net interest income | 668,000 | 1,303,000 | 2,037,000 | 2,815,000 |
| Noninterest income | 123,000 | 263,000 | 401,000 | 529,000 |
| Noninterest expense | 492,000 | 1,055,000 | 1,599,000 | 2,222,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 603,000 |
| Pretax income | 284,000 | 481,000 | 794,000 | 519,000 |
| Income tax | 95,000 | 160,000 | 265,000 | 169,000 |
| Net income | 189,000 | 321,000 | 529,000 | 350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,207,000 | 5,339,000 | 5,547,000 | 5,174,000 |
| Total capital | 5,813,000 | 5,953,000 | 6,141,000 | 5,749,000 |
| Risk-weighted assets | 48,372,000 | 48,987,000 | 47,405,000 | 45,875,000 |
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