Call reports 2005
PEOPLES BANK, THE — 2005
What PEOPLES BANK, 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 | 99,691,000 | 101,452,000 | 104,649,000 | 106,390,000 |
| Total loans | 49,930,000 | 49,568,000 | 50,524,000 | 51,817,000 |
| Allowance for loan losses | 666,000 | 656,000 | 648,000 | 673,000 |
| Securities available for sale | 28,958,000 | 29,084,000 | 28,095,000 | 28,629,000 |
| Securities held to maturity | 7,333,000 | 7,188,000 | 7,058,000 | 7,058,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,848,000 | 90,220,000 | 93,100,000 | 95,165,000 |
| Interest-bearing deposits | 76,022,000 | 78,181,000 | 80,264,000 | 81,916,000 |
| Noninterest-bearing deposits | 12,826,000 | 12,039,000 | 12,836,000 | 13,249,000 |
| Equity capital | 10,608,000 | 10,938,000 | 11,134,000 | 10,883,000 |
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 | 1,268,000 | 2,502,000 | 3,804,000 | 5,136,000 |
| Interest expense | 400,000 | 755,000 | 1,173,000 | 1,617,000 |
| Net interest income | 868,000 | 1,747,000 | 2,631,000 | 3,519,000 |
| Noninterest income | 125,000 | 269,000 | 428,000 | 587,000 |
| Noninterest expense | 689,000 | 1,331,000 | 2,037,000 | 2,819,000 |
| Provision for loan losses | 30,000 | 75,000 | 105,000 | 125,000 |
| Pretax income | 274,000 | 610,000 | 917,000 | 1,162,000 |
| Income tax | 59,000 | 142,000 | 203,000 | 251,000 |
| Net income | 215,000 | 468,000 | 714,000 | 911,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,743,000 | 10,997,000 | 11,243,000 | 11,115,000 |
| Total capital | 11,409,000 | 11,653,000 | 11,891,000 | 11,788,000 |
| Risk-weighted assets | 56,887,000 | 56,469,000 | 57,315,000 | 59,398,000 |