Call reports 2004
PEOPLES BANK OF GRACEVILLE — 2004
What PEOPLES BANK OF GRACEVILLE 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 | 51,011,000 | 51,533,000 | 53,170,000 | 52,942,000 |
| Total loans | 17,393,000 | 19,586,000 | 20,381,000 | 20,542,000 |
| Allowance for loan losses | 241,000 | 215,000 | 218,000 | 221,000 |
| Securities available for sale | 26,595,000 | 23,532,000 | 25,218,000 | 24,813,000 |
| Securities held to maturity | 2,934,000 | 2,908,000 | 2,902,000 | 2,963,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,310,000 | 41,166,000 | 42,217,000 | 42,027,000 |
| Interest-bearing deposits | 31,905,000 | 33,002,000 | 33,622,000 | 33,007,000 |
| Noninterest-bearing deposits | 8,405,000 | 8,164,000 | 8,595,000 | 9,020,000 |
| Equity capital | 10,217,000 | 9,870,000 | 10,427,000 | 9,980,000 |
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 | 601,000 | 1,208,000 | 1,836,000 | 2,485,000 |
| Interest expense | 125,000 | 241,000 | 362,000 | 491,000 |
| Net interest income | 476,000 | 967,000 | 1,474,000 | 1,994,000 |
| Noninterest income | 109,000 | 389,000 | 500,000 | 599,000 |
| Noninterest expense | 263,000 | 528,000 | 788,000 | 1,110,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 319,000 | 824,000 | 1,179,000 | 1,468,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 319,000 | 824,000 | 1,179,000 | 1,468,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,869,000 | 10,169,000 | 10,329,000 | 10,015,000 |
| Total capital | 10,110,000 | 10,384,000 | 10,547,000 | 10,236,000 |
| Risk-weighted assets | 22,152,000 | 23,388,000 | 23,979,000 | 23,950,000 |