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 | 16,982,000 | 16,523,000 | 16,337,000 | 16,550,000 |
| Total loans | 10,512,000 | 11,683,000 | 11,440,000 | 11,428,000 |
| Allowance for loan losses | 456,000 | 416,000 | 417,000 | 417,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,000,000 | 2,200,000 | 1,900,000 | 1,900,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,434,000 | 13,838,000 | 13,537,000 | 13,901,000 |
| Interest-bearing deposits | 12,190,000 | 11,616,000 | 11,437,000 | 11,562,000 |
| Noninterest-bearing deposits | 2,244,000 | 2,222,000 | 2,100,000 | 2,339,000 |
| Equity capital | 2,478,000 | 2,560,000 | 2,618,000 | 2,611,000 |
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 | 287,000 | 579,000 | 885,000 | 1,193,000 |
| Interest expense | 50,000 | 103,000 | 161,000 | 225,000 |
| Net interest income | 237,000 | 476,000 | 724,000 | 968,000 |
| Noninterest income | 21,000 | 53,000 | 79,000 | 106,000 |
| Noninterest expense | 170,000 | 317,000 | 467,000 | 759,000 |
| Provision for loan losses | 0 | 0 | 0 | 30,000 |
| Pretax income | 88,000 | 212,000 | 336,000 | 285,000 |
| Income tax | 30,000 | 72,000 | 114,000 | 70,000 |
| Net income | 58,000 | 140,000 | 222,000 | 215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,478,000 | 2,560,000 | 2,618,000 | 2,611,000 |
| Total capital | 2,607,000 | 2,697,000 | 2,754,000 | 2,744,000 |
| Risk-weighted assets | 9,988,000 | 10,718,000 | 10,610,000 | 10,367,000 |