Call reports 2005
PEOPLES BANK — 2005
What PEOPLES 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 | 102,224,000 | 107,545,000 | 105,679,000 | 104,181,000 |
| Total loans | 74,788,000 | 78,770,000 | 77,298,000 | 74,327,000 |
| Allowance for loan losses | 1,576,000 | 1,589,000 | 1,616,000 | 1,652,000 |
| Securities available for sale | 18,717,000 | 19,708,000 | 19,440,000 | 19,591,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,243,000 | 92,690,000 | 91,730,000 | 92,028,000 |
| Interest-bearing deposits | 82,441,000 | 83,692,000 | 82,728,000 | 82,803,000 |
| Noninterest-bearing deposits | 8,802,000 | 8,998,000 | 9,002,000 | 9,225,000 |
| Equity capital | 8,137,000 | 8,557,000 | 8,689,000 | 8,674,000 |
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 | 1,617,000 | 3,354,000 | 5,171,000 | 7,039,000 |
| Interest expense | 546,000 | 1,155,000 | 1,826,000 | 2,549,000 |
| Net interest income | 1,071,000 | 2,199,000 | 3,345,000 | 4,490,000 |
| Noninterest income | 94,000 | 199,000 | 346,000 | 393,000 |
| Noninterest expense | 813,000 | 1,688,000 | 2,561,000 | 3,299,000 |
| Provision for loan losses | 37,000 | 87,000 | 164,000 | 387,000 |
| Pretax income | 315,000 | 635,000 | 978,000 | 1,209,000 |
| Income tax | 101,000 | 199,000 | 308,000 | 304,000 |
| Net income | 214,000 | 436,000 | 670,000 | 905,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,392,000 | 8,614,000 | 8,947,000 | 8,934,000 |
| Total capital | 9,310,000 | 9,578,000 | 9,901,000 | 9,862,000 |
| Risk-weighted assets | 72,772,000 | 76,455,000 | 75,674,000 | 73,545,000 |