Call reports 2003
PEOPLES BANK — 2003
What PEOPLES BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 91,598,000 | 84,054,000 | 82,002,000 | 84,421,000 |
| Total loans | 51,626,000 | 48,214,000 | 52,582,000 | 51,128,000 |
| Allowance for loan losses | 3,453,000 | 1,954,000 | 1,823,000 | 1,751,000 |
| Securities available for sale | 21,986,000 | 18,260,000 | 18,914,000 | 18,520,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,883,000 | 72,097,000 | 70,421,000 | 72,669,000 |
| Interest-bearing deposits | 70,232,000 | 68,762,000 | 67,697,000 | 69,562,000 |
| Noninterest-bearing deposits | 3,651,000 | 3,335,000 | 2,724,000 | 3,107,000 |
| Equity capital | 7,240,000 | 5,795,000 | 5,497,000 | 5,780,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,043,000 | 2,074,000 | 3,117,000 | 4,198,000 |
| Interest expense | 639,000 | 1,201,000 | 1,698,000 | 2,170,000 |
| Net interest income | 404,000 | 873,000 | 1,419,000 | 2,028,000 |
| Noninterest income | 140,000 | 368,000 | 553,000 | 821,000 |
| Noninterest expense | 741,000 | 1,498,000 | 2,209,000 | 2,852,000 |
| Provision for loan losses | 800,000 | 1,200,000 | 1,200,000 | 1,200,000 |
| Pretax income | -938,000 | -1,302,000 | -1,278,000 | -1,045,000 |
| Income tax | -327,000 | -454,000 | -463,000 | -371,000 |
| Net income | -611,000 | -848,000 | -815,000 | -674,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,108,000 | 5,674,000 | 5,698,000 | 5,931,000 |
| Total capital | 7,886,000 | 6,377,000 | 6,455,000 | 6,672,000 |
| Risk-weighted assets | 59,579,000 | 54,957,000 | 59,500,000 | 58,196,000 |