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 | 28,501,000 | 32,104,000 | 33,163,000 | 33,449,000 |
| Total loans | 24,836,000 | 26,270,000 | 27,022,000 | 27,901,000 |
| Allowance for loan losses | 274,000 | 296,000 | 280,000 | 315,000 |
| Securities available for sale | 1,016,000 | 1,033,000 | 1,011,000 | 987,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,942,000 | 26,368,000 | 25,971,000 | 26,308,000 |
| Interest-bearing deposits | 17,911,000 | 20,659,000 | 19,849,000 | 20,259,000 |
| Noninterest-bearing deposits | 5,031,000 | 5,709,000 | 6,122,000 | 6,049,000 |
| Equity capital | 2,266,000 | 2,390,000 | 2,477,000 | 2,496,000 |
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 | 475,000 | 1,056,000 | 1,676,000 | 2,269,000 |
| Interest expense | 101,000 | 241,000 | 402,000 | 595,000 |
| Net interest income | 374,000 | 815,000 | 1,274,000 | 1,674,000 |
| Noninterest income | 321,000 | 760,000 | 1,382,000 | 2,080,000 |
| Noninterest expense | 576,000 | 1,212,000 | 2,108,000 | 3,098,000 |
| Provision for loan losses | 30,000 | 69,000 | 90,000 | 140,000 |
| Pretax income | 89,000 | 294,000 | 458,000 | 516,000 |
| Income tax | 0 | 107,000 | 172,000 | 196,000 |
| Net income | 48,000 | 146,000 | 245,000 | 279,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,293,000 | 2,391,000 | 2,490,000 | 2,523,000 |
| Total capital | 2,567,000 | 2,687,000 | 2,770,000 | 2,838,000 |
| Risk-weighted assets | 24,349,000 | 26,060,000 | 26,988,000 | 27,066,000 |