Call reports 2005
PEOPLES COMMUNITY BANK — 2005
What PEOPLES COMMUNITY 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 | 102,782,000 | 105,610,000 | 106,924,000 | 105,675,000 |
| Total loans | 88,192,000 | 87,065,000 | 84,737,000 | 86,830,000 |
| Allowance for loan losses | 1,008,000 | 1,031,000 | 1,052,000 | 1,081,000 |
| Securities available for sale | 529,000 | 521,000 | 514,000 | 509,000 |
| Securities held to maturity | 1,339,000 | 1,337,000 | 2,374,000 | 2,870,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,438,000 | 95,012,000 | 95,905,000 | 94,650,000 |
| Interest-bearing deposits | 80,297,000 | 79,511,000 | 80,380,000 | 79,658,000 |
| Noninterest-bearing deposits | 12,141,000 | 15,501,000 | 15,525,000 | 14,992,000 |
| Equity capital | 9,686,000 | 9,985,000 | 10,283,000 | 10,418,000 |
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 | 1,539,000 | 3,118,000 | 4,745,000 | 6,409,000 |
| Interest expense | 321,000 | 670,000 | 1,045,000 | 1,438,000 |
| Net interest income | 1,218,000 | 2,448,000 | 3,700,000 | 4,971,000 |
| Noninterest income | 117,000 | 338,000 | 510,000 | 682,000 |
| Noninterest expense | 904,000 | 1,809,000 | 2,695,000 | 3,622,000 |
| Provision for loan losses | 30,000 | 70,000 | 110,000 | 140,000 |
| Pretax income | 401,000 | 907,000 | 1,417,000 | 1,903,000 |
| Income tax | 130,000 | 255,000 | 385,000 | 616,000 |
| Net income | 271,000 | 652,000 | 1,032,000 | 1,287,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,679,000 | 9,981,000 | 10,281,000 | 10,417,000 |
| Total capital | 10,638,000 | 10,943,000 | 11,224,000 | 11,381,000 |
| Risk-weighted assets | 76,658,000 | 76,881,000 | 75,348,000 | 76,969,000 |