Call reports 2005
PEOPLES BANK OF GRACEVILLE — 2005
What PEOPLES BANK OF GRACEVILLE 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 | 53,908,000 | 55,158,000 | 56,085,000 | 56,752,000 |
| Total loans | 20,289,000 | 21,572,000 | 21,677,000 | 20,334,000 |
| Allowance for loan losses | 213,000 | 216,000 | 218,000 | 231,000 |
| Securities available for sale | 28,021,000 | 26,832,000 | 26,118,000 | 28,397,000 |
| Securities held to maturity | 2,960,000 | 2,942,000 | 2,939,000 | 2,396,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,782,000 | 42,016,000 | 45,423,000 | 46,287,000 |
| Interest-bearing deposits | 34,663,000 | 33,258,000 | 34,909,000 | 34,862,000 |
| Noninterest-bearing deposits | 9,119,000 | 8,758,000 | 10,514,000 | 11,425,000 |
| Equity capital | 9,622,000 | 10,122,000 | 10,117,000 | 9,516,000 |
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 | 662,000 | 1,356,000 | 2,070,000 | 2,816,000 |
| Interest expense | 138,000 | 306,000 | 488,000 | 678,000 |
| Net interest income | 524,000 | 1,050,000 | 1,582,000 | 2,138,000 |
| Noninterest income | 89,000 | 190,000 | 286,000 | 365,000 |
| Noninterest expense | 265,000 | 530,000 | 790,000 | 1,081,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 29,000 |
| Pretax income | 330,000 | 704,000 | 1,069,000 | 1,351,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 330,000 | 704,000 | 1,069,000 | 1,351,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,145,000 | 10,318,000 | 10,487,000 | 10,163,000 |
| Total capital | 10,358,000 | 10,534,000 | 10,705,000 | 10,394,000 |
| Risk-weighted assets | 24,555,000 | 25,485,000 | 25,355,000 | 24,902,000 |