Call reports 2004
PEOPLES BANK — 2004
What PEOPLES 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 | 96,105,000 | 97,126,000 | 99,874,000 | 100,893,000 |
| Total loans | 70,838,000 | 72,041,000 | 72,325,000 | 74,057,000 |
| Allowance for loan losses | 1,597,000 | 1,594,000 | 1,537,000 | 1,568,000 |
| Securities available for sale | 16,447,000 | 15,760,000 | 17,801,000 | 18,179,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,735,000 | 86,273,000 | 88,967,000 | 89,389,000 |
| Interest-bearing deposits | 78,003,000 | 78,792,000 | 80,957,000 | 81,740,000 |
| Noninterest-bearing deposits | 7,732,000 | 7,481,000 | 8,010,000 | 7,649,000 |
| Equity capital | 7,930,000 | 7,872,000 | 8,281,000 | 8,128,000 |
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 | 1,498,000 | 3,014,000 | 4,537,000 | 6,097,000 |
| Interest expense | 448,000 | 904,000 | 1,372,000 | 1,876,000 |
| Net interest income | 1,050,000 | 2,110,000 | 3,165,000 | 4,221,000 |
| Noninterest income | 62,000 | 100,000 | 95,000 | 174,000 |
| Noninterest expense | 809,000 | 1,588,000 | 2,409,000 | 3,203,000 |
| Provision for loan losses | 31,000 | 66,000 | 106,000 | 236,000 |
| Pretax income | 295,000 | 586,000 | 788,000 | 1,002,000 |
| Income tax | 77,000 | 134,000 | 183,000 | 322,000 |
| Net income | 218,000 | 452,000 | 605,000 | 680,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,842,000 | 8,076,000 | 8,229,000 | 8,179,000 |
| Total capital | 8,703,000 | 8,952,000 | 9,111,000 | 9,077,000 |
| Risk-weighted assets | 68,141,000 | 69,361,000 | 69,891,000 | 71,184,000 |