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 | 89,456,000 | 95,326,000 | 97,619,000 | 95,491,000 |
| Total loans | 73,323,000 | 77,373,000 | 78,484,000 | 77,858,000 |
| Allowance for loan losses | 725,000 | 721,000 | 734,000 | 731,000 |
| Securities available for sale | 10,555,000 | 11,829,000 | 11,643,000 | 11,562,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,644,000 | 80,352,000 | 82,687,000 | 81,166,000 |
| Interest-bearing deposits | 60,987,000 | 61,289,000 | 60,363,000 | 62,661,000 |
| Noninterest-bearing deposits | 12,657,000 | 19,063,000 | 22,324,000 | 18,505,000 |
| Equity capital | 11,904,000 | 11,888,000 | 12,077,000 | 12,013,000 |
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 | 1,369,000 | 2,830,000 | 4,390,000 | 6,020,000 |
| Interest expense | 346,000 | 729,000 | 1,138,000 | 1,595,000 |
| Net interest income | 1,023,000 | 2,101,000 | 3,252,000 | 4,425,000 |
| Noninterest income | 309,000 | 635,000 | 1,020,000 | 1,366,000 |
| Noninterest expense | 1,001,000 | 2,047,000 | 3,072,000 | 4,140,000 |
| Provision for loan losses | 28,000 | 64,000 | 101,000 | 117,000 |
| Pretax income | 284,000 | 607,000 | 1,080,000 | 1,494,000 |
| Income tax | 96,000 | 206,000 | 367,000 | 479,000 |
| Net income | 188,000 | 401,000 | 713,000 | 1,015,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,191,000 | 11,995,000 | 12,424,000 | 12,283,000 |
| Total capital | 12,916,000 | 12,716,000 | 13,158,000 | 13,014,000 |
| Risk-weighted assets | 59,308,000 | 61,978,000 | 63,091,000 | 68,547,000 |