Call reports 2003
PEOPLES BANK, THE — 2003
What PEOPLES BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 91,045,000 | 93,463,000 | 95,754,000 | 105,584,000 |
| Total loans | 48,467,000 | 49,879,000 | 50,924,000 | 50,753,000 |
| Allowance for loan losses | 746,000 | 771,000 | 715,000 | 714,000 |
| Securities available for sale | 18,540,000 | 21,579,000 | 21,032,000 | 23,298,000 |
| Securities held to maturity | 8,186,000 | 8,054,000 | 8,792,000 | 8,727,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,888,000 | 82,989,000 | 85,192,000 | 95,154,000 |
| Interest-bearing deposits | 68,933,000 | 69,569,000 | 72,962,000 | 81,694,000 |
| Noninterest-bearing deposits | 11,955,000 | 13,420,000 | 12,230,000 | 13,460,000 |
| Equity capital | 9,858,000 | 10,180,000 | 10,187,000 | 10,110,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,207,000 | 2,403,000 | 3,577,000 | 4,769,000 |
| Interest expense | 377,000 | 731,000 | 1,039,000 | 1,342,000 |
| Net interest income | 830,000 | 1,672,000 | 2,538,000 | 3,427,000 |
| Noninterest income | 120,000 | 247,000 | 363,000 | 491,000 |
| Noninterest expense | 656,000 | 1,315,000 | 1,957,000 | 2,660,000 |
| Provision for loan losses | 45,000 | 75,000 | 75,000 | 95,000 |
| Pretax income | 249,000 | 529,000 | 868,000 | 1,162,000 |
| Income tax | 48,000 | 101,000 | 173,000 | 230,000 |
| Net income | 201,000 | 428,000 | 695,000 | 932,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,548,000 | 9,775,000 | 10,043,000 | 9,952,000 |
| Total capital | 10,217,000 | 10,459,000 | 10,753,000 | 10,666,000 |
| Risk-weighted assets | 53,453,000 | 54,656,000 | 56,774,000 | 58,204,000 |