Call reports 2003
PEOPLES BANK — 2003
What PEOPLES BANK 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 | 32,581,000 | 34,945,000 | 34,579,000 | 35,348,000 |
| Total loans | 17,399,000 | 18,566,000 | 18,301,000 | 19,862,000 |
| Allowance for loan losses | 361,000 | 304,000 | 312,000 | 321,000 |
| Securities available for sale | 12,185,000 | 13,020,000 | 13,112,000 | 12,387,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,898,000 | 29,529,000 | 28,757,000 | 30,638,000 |
| Interest-bearing deposits | 26,240,000 | 27,667,000 | 26,903,000 | 28,449,000 |
| Noninterest-bearing deposits | 1,658,000 | 1,862,000 | 1,854,000 | 2,189,000 |
| Equity capital | 3,732,000 | 3,858,000 | 3,787,000 | 3,804,000 |
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 | 484,000 | 978,000 | 1,467,000 | 1,956,000 |
| Interest expense | 164,000 | 331,000 | 484,000 | 629,000 |
| Net interest income | 320,000 | 647,000 | 983,000 | 1,327,000 |
| Noninterest income | 66,000 | 98,000 | 150,000 | 181,000 |
| Noninterest expense | 208,000 | 419,000 | 630,000 | 856,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 170,000 | 311,000 | 480,000 | 622,000 |
| Income tax | 58,000 | 101,000 | 158,000 | 204,000 |
| Net income | 112,000 | 210,000 | 322,000 | 418,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,075,000 | 3,122,000 | 3,181,000 | 3,224,000 |
| Total capital | 3,331,000 | 3,395,000 | 3,453,000 | 3,511,000 |
| Risk-weighted assets | 20,343,000 | 21,823,000 | 21,703,000 | 22,960,000 |