Call reports 2005
PEOPLES BANK — 2005
What PEOPLES BANK 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 | 36,027,000 | 35,880,000 | 35,459,000 | 36,609,000 |
| Total loans | 20,710,000 | 21,928,000 | 19,114,000 | 19,894,000 |
| Allowance for loan losses | 436,000 | 468,000 | 402,000 | 396,000 |
| Securities available for sale | 12,861,000 | 12,167,000 | 13,061,000 | 14,252,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,885,000 | 31,117,000 | 31,305,000 | 31,248,000 |
| Interest-bearing deposits | 29,688,000 | 28,967,000 | 28,182,000 | 29,121,000 |
| Noninterest-bearing deposits | 2,197,000 | 2,150,000 | 3,123,000 | 2,127,000 |
| Equity capital | 3,932,000 | 3,949,000 | 3,940,000 | 3,935,000 |
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 | 517,000 | 1,046,000 | 1,547,000 | 2,072,000 |
| Interest expense | 155,000 | 324,000 | 510,000 | 707,000 |
| Net interest income | 362,000 | 722,000 | 1,037,000 | 1,365,000 |
| Noninterest income | 66,000 | 101,000 | 161,000 | 183,000 |
| Noninterest expense | 246,000 | 599,000 | 889,000 | 1,028,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 90,000 |
| Pretax income | 152,000 | 164,000 | 219,000 | 417,000 |
| Income tax | 48,000 | 0 | 0 | 123,000 |
| Net income | 104,000 | 164,000 | 219,000 | 294,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,344,000 | 3,401,000 | 3,410,000 | 3,394,000 |
| Total capital | 3,656,000 | 3,719,000 | 3,714,000 | 3,695,000 |
| Risk-weighted assets | 24,822,000 | 25,307,000 | 24,242,000 | 24,028,000 |