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 | 147,564,000 | 154,696,000 | 165,570,000 | 174,162,000 |
| Total loans | 111,760,000 | 116,478,000 | 126,305,000 | 133,770,000 |
| Allowance for loan losses | 1,727,000 | 1,764,000 | 1,826,000 | 1,890,000 |
| Securities available for sale | 25,642,000 | 24,759,000 | 23,296,000 | 25,486,000 |
| Securities held to maturity | 340,000 | 240,000 | 240,000 | 240,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,526,000 | 138,844,000 | 150,733,000 | 158,341,000 |
| Interest-bearing deposits | 109,205,000 | 116,974,000 | 128,456,000 | 136,118,000 |
| Noninterest-bearing deposits | 20,321,000 | 21,870,000 | 22,277,000 | 22,223,000 |
| Equity capital | 11,020,000 | 11,243,000 | 12,129,000 | 12,969,000 |
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 | 2,049,000 | 4,210,000 | 6,461,000 | 9,036,000 |
| Interest expense | 592,000 | 1,216,000 | 1,905,000 | 2,685,000 |
| Net interest income | 1,457,000 | 2,994,000 | 4,556,000 | 6,351,000 |
| Noninterest income | 163,000 | 617,000 | 819,000 | 1,043,000 |
| Noninterest expense | 1,041,000 | 2,154,000 | 3,400,000 | 4,848,000 |
| Provision for loan losses | 50,000 | 90,000 | 153,000 | 218,000 |
| Pretax income | 529,000 | 1,367,000 | 1,826,000 | 2,335,000 |
| Income tax | -12,000 | -12,000 | -12,000 | -12,000 |
| Net income | 541,000 | 1,379,000 | 1,838,000 | 2,347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,321,000 | 11,159,000 | 11,617,000 | 12,627,000 |
| Total capital | 11,792,000 | 12,684,000 | 13,272,000 | 14,374,000 |
| Risk-weighted assets | 117,446,000 | 121,798,000 | 132,234,000 | 139,627,000 |