Call reports 2004
PEOPLES BANK, THE — 2004
What PEOPLES BANK, THE 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 | 99,850,000 | 100,842,000 | 99,870,000 | 112,296,000 |
| Total loans | 49,989,000 | 49,144,000 | 50,640,000 | 50,671,000 |
| Allowance for loan losses | 735,000 | 706,000 | 685,000 | 655,000 |
| Securities available for sale | 24,311,000 | 25,498,000 | 27,996,000 | 27,404,000 |
| Securities held to maturity | 8,012,000 | 8,280,000 | 8,129,000 | 8,128,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,919,000 | 90,185,000 | 88,614,000 | 101,402,000 |
| Interest-bearing deposits | 77,242,000 | 78,324,000 | 76,709,000 | 86,554,000 |
| Noninterest-bearing deposits | 11,677,000 | 11,861,000 | 11,905,000 | 14,848,000 |
| Equity capital | 10,500,000 | 10,317,000 | 10,821,000 | 10,609,000 |
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 | 1,175,000 | 2,365,000 | 3,543,000 | 4,768,000 |
| Interest expense | 298,000 | 605,000 | 918,000 | 1,275,000 |
| Net interest income | 877,000 | 1,760,000 | 2,625,000 | 3,493,000 |
| Noninterest income | 122,000 | 258,000 | 396,000 | 525,000 |
| Noninterest expense | 676,000 | 1,356,000 | 2,035,000 | 2,738,000 |
| Provision for loan losses | 25,000 | 40,000 | 70,000 | 110,000 |
| Pretax income | 298,000 | 622,000 | 916,000 | 1,170,000 |
| Income tax | 62,000 | 131,000 | 192,000 | 244,000 |
| Net income | 236,000 | 491,000 | 724,000 | 926,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,188,000 | 10,444,000 | 10,676,000 | 10,529,000 |
| Total capital | 10,897,000 | 11,150,000 | 11,361,000 | 11,184,000 |
| Risk-weighted assets | 56,661,000 | 56,462,000 | 57,097,000 | 59,273,000 |