Call reports 2004
PEOPLES COMMUNITY BANK — 2004
What PEOPLES COMMUNITY 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 | 95,689,000 | 100,600,000 | 101,370,000 | 100,752,000 |
| Total loans | 79,767,000 | 82,978,000 | 86,064,000 | 88,208,000 |
| Allowance for loan losses | 949,000 | 964,000 | 983,000 | 972,000 |
| Securities available for sale | 1,606,000 | 1,578,000 | 1,060,000 | 538,000 |
| Securities held to maturity | 1,353,000 | 1,348,000 | 1,345,000 | 1,342,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,261,000 | 90,951,000 | 91,452,000 | 90,755,000 |
| Interest-bearing deposits | 75,625,000 | 77,045,000 | 78,207,000 | 78,903,000 |
| Noninterest-bearing deposits | 10,636,000 | 13,906,000 | 13,245,000 | 11,852,000 |
| Equity capital | 8,924,000 | 9,151,000 | 9,332,000 | 9,498,000 |
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 | 1,382,000 | 2,798,000 | 4,280,000 | 5,798,000 |
| Interest expense | 316,000 | 621,000 | 925,000 | 1,230,000 |
| Net interest income | 1,066,000 | 2,177,000 | 3,355,000 | 4,568,000 |
| Noninterest income | 114,000 | 278,000 | 400,000 | 574,000 |
| Noninterest expense | 786,000 | 1,611,000 | 2,467,000 | 3,413,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 379,000 | 814,000 | 1,243,000 | 1,669,000 |
| Income tax | 100,000 | 215,000 | 380,000 | 532,000 |
| Net income | 279,000 | 599,000 | 863,000 | 1,137,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,892,000 | 9,132,000 | 9,316,000 | 9,488,000 |
| Total capital | 9,726,000 | 10,020,000 | 10,235,000 | 10,435,000 |
| Risk-weighted assets | 66,628,000 | 70,992,000 | 73,454,000 | 75,700,000 |