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 | 17,652,000 | 17,590,000 | 16,768,000 | 17,147,000 |
| Total loans | 11,925,000 | 11,087,000 | 11,091,000 | 11,186,000 |
| Allowance for loan losses | 456,000 | 451,000 | 451,000 | 456,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,500,000 | 1,800,000 | 1,800,000 | 1,800,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,246,000 | 15,075,000 | 14,158,000 | 14,695,000 |
| Interest-bearing deposits | 13,095,000 | 12,775,000 | 12,093,000 | 12,287,000 |
| Noninterest-bearing deposits | 2,151,000 | 2,300,000 | 2,065,000 | 2,408,000 |
| Equity capital | 2,329,000 | 2,394,000 | 2,442,000 | 2,420,000 |
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 | 319,000 | 603,000 | 893,000 | 1,176,000 |
| Interest expense | 64,000 | 117,000 | 165,000 | 212,000 |
| Net interest income | 255,000 | 486,000 | 728,000 | 964,000 |
| Noninterest income | 21,000 | 42,000 | 64,000 | 88,000 |
| Noninterest expense | 156,000 | 310,000 | 465,000 | 748,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 120,000 | 218,000 | 327,000 | 279,000 |
| Income tax | 41,000 | 74,000 | 111,000 | 85,000 |
| Net income | 79,000 | 144,000 | 216,000 | 194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,329,000 | 2,394,000 | 2,442,000 | 2,420,000 |
| Total capital | 2,466,000 | 2,524,000 | 2,573,000 | 2,554,000 |
| Risk-weighted assets | 10,654,000 | 10,099,000 | 10,143,000 | 10,393,000 |