Call reports 2005
PEOPLES BANK, THE — 2005
What PEOPLES BANK, THE 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 | 193,682,000 | 208,588,000 | 229,215,000 | 240,355,000 |
| Total loans | 153,130,000 | 165,381,000 | 182,103,000 | 193,529,000 |
| Allowance for loan losses | 2,008,000 | 2,168,000 | 2,411,000 | 2,523,000 |
| Securities available for sale | 23,512,000 | 27,443,000 | 28,403,000 | 28,109,000 |
| Securities held to maturity | 240,000 | 240,000 | 125,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,034,000 | 192,086,000 | 211,117,000 | 218,094,000 |
| Interest-bearing deposits | 156,944,000 | 164,828,000 | 179,344,000 | 191,099,000 |
| Noninterest-bearing deposits | 21,090,000 | 27,258,000 | 31,773,000 | 26,995,000 |
| Equity capital | 14,516,000 | 15,438,000 | 16,911,000 | 18,434,000 |
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 | 2,817,000 | 6,039,000 | 9,622,000 | 13,549,000 |
| Interest expense | 952,000 | 2,116,000 | 3,496,000 | 5,095,000 |
| Net interest income | 1,865,000 | 3,923,000 | 6,126,000 | 8,454,000 |
| Noninterest income | 249,000 | 539,000 | 831,000 | 1,139,000 |
| Noninterest expense | 1,381,000 | 2,794,000 | 4,455,000 | 6,097,000 |
| Provision for loan losses | 120,000 | 285,000 | 537,000 | 762,000 |
| Pretax income | 654,000 | 1,428,000 | 2,010,000 | 2,782,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 654,000 | 1,428,000 | 2,010,000 | 2,782,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,531,000 | 15,305,000 | 16,887,000 | 18,659,000 |
| Total capital | 16,539,000 | 17,473,000 | 19,289,000 | 21,182,000 |
| Risk-weighted assets | 161,133,000 | 174,764,000 | 192,115,000 | 206,307,000 |