Call reports 2004
PEOPLES NATIONAL BANK OF MT. PLEASANT, THE — 2004
What PEOPLES NATIONAL BANK OF MT. PLEASANT, THE 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 | 42,854,000 | 42,618,000 | 43,315,000 | 42,738,000 |
| Total loans | 15,353,000 | 17,282,000 | 18,631,000 | 19,382,000 |
| Allowance for loan losses | 51,000 | 63,000 | 90,000 | 86,000 |
| Securities available for sale | 10,028,000 | 9,200,000 | 9,392,000 | 9,330,000 |
| Securities held to maturity | 5,500,000 | 9,500,000 | 9,000,000 | 8,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,774,000 | 35,839,000 | 36,356,000 | 35,861,000 |
| Interest-bearing deposits | 31,391,000 | 31,622,000 | 31,769,000 | 31,656,000 |
| Noninterest-bearing deposits | 4,383,000 | 4,217,000 | 4,587,000 | 4,205,000 |
| Equity capital | 7,022,000 | 6,693,000 | 6,867,000 | 6,795,000 |
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 | 433,000 | 886,000 | 1,372,000 | 1,871,000 |
| Interest expense | 119,000 | 234,000 | 349,000 | 464,000 |
| Net interest income | 314,000 | 652,000 | 1,023,000 | 1,407,000 |
| Noninterest income | 35,000 | 76,000 | 115,000 | 149,000 |
| Noninterest expense | 284,000 | 586,000 | 880,000 | 1,182,000 |
| Provision for loan losses | 39,000 | 62,000 | 111,000 | 149,000 |
| Pretax income | 26,000 | 80,000 | 147,000 | 225,000 |
| Income tax | 13,000 | 20,000 | 55,000 | 95,000 |
| Net income | 13,000 | 60,000 | 92,000 | 130,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,994,000 | 6,993,000 | 6,975,000 | 6,965,000 |
| Total capital | 7,045,000 | 7,056,000 | 7,065,000 | 7,051,000 |
| Risk-weighted assets | 15,803,000 | 17,434,000 | 18,523,000 | 19,130,000 |