Call reports 2005
PEOPLES BANK OF COFFEE COUNTY, THE — 2005
What PEOPLES BANK OF COFFEE COUNTY, THE 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 | 108,011,000 | 111,221,000 | 118,121,000 | 123,510,000 |
| Total loans | 66,221,000 | 69,950,000 | 70,701,000 | 77,786,000 |
| Allowance for loan losses | 1,972,000 | 2,032,000 | 2,122,000 | 2,204,000 |
| Securities available for sale | 23,320,000 | 24,101,000 | 26,669,000 | 31,226,000 |
| Securities held to maturity | 114,000 | 114,000 | 114,000 | 114,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,127,000 | 94,146,000 | 100,946,000 | 104,749,000 |
| Interest-bearing deposits | 79,846,000 | 82,921,000 | 84,625,000 | 90,988,000 |
| Noninterest-bearing deposits | 11,281,000 | 11,225,000 | 16,321,000 | 13,761,000 |
| Equity capital | 12,706,000 | 12,846,000 | 12,815,000 | 12,836,000 |
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 | 1,449,000 | 2,999,000 | 4,644,000 | 6,438,000 |
| Interest expense | 576,000 | 1,202,000 | 1,868,000 | 2,611,000 |
| Net interest income | 873,000 | 1,797,000 | 2,776,000 | 3,827,000 |
| Noninterest income | 232,000 | 203,000 | 371,000 | 524,000 |
| Noninterest expense | 753,000 | 1,231,000 | 1,863,000 | 2,587,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 232,000 | 529,000 | 926,000 | 1,286,000 |
| Income tax | 48,000 | 128,000 | 263,000 | 304,000 |
| Net income | 184,000 | 401,000 | 663,000 | 982,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,870,000 | 9,899,000 | 9,969,000 | 10,096,000 |
| Total capital | 10,788,000 | 10,852,000 | 10,960,000 | 11,167,000 |
| Risk-weighted assets | 72,236,000 | 75,007,000 | 77,981,000 | 84,352,000 |