Call reports 2004
PEOPLES BANK — 2004
What PEOPLES BANK 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 | 34,979,000 | 35,422,000 | 34,912,000 | 35,870,000 |
| Total loans | 20,493,000 | 20,715,000 | 20,999,000 | 21,775,000 |
| Allowance for loan losses | 329,000 | 341,000 | 378,000 | 404,000 |
| Securities available for sale | 12,538,000 | 12,791,000 | 11,967,000 | 12,005,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,679,000 | 30,661,000 | 29,902,000 | 31,744,000 |
| Interest-bearing deposits | 28,556,000 | 28,898,000 | 27,763,000 | 26,203,000 |
| Noninterest-bearing deposits | 2,123,000 | 1,763,000 | 2,139,000 | 5,541,000 |
| Equity capital | 3,964,000 | 3,791,000 | 3,950,000 | 3,925,000 |
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 | 500,000 | 1,008,000 | 1,513,000 | 2,020,000 |
| Interest expense | 141,000 | 278,000 | 415,000 | 558,000 |
| Net interest income | 359,000 | 730,000 | 1,098,000 | 1,462,000 |
| Noninterest income | 67,000 | 91,000 | 138,000 | 158,000 |
| Noninterest expense | 217,000 | 441,000 | 668,000 | 917,000 |
| Provision for loan losses | 8,000 | 18,000 | 37,000 | 86,000 |
| Pretax income | 201,000 | 362,000 | 531,000 | 617,000 |
| Income tax | 69,000 | 116,000 | 170,000 | 192,000 |
| Net income | 132,000 | 246,000 | 361,000 | 425,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,303,000 | 3,240,000 | 3,311,000 | 3,324,000 |
| Total capital | 3,602,000 | 3,543,000 | 3,614,000 | 3,639,000 |
| Risk-weighted assets | 23,912,000 | 24,268,000 | 24,176,000 | 25,137,000 |