Call reports 2004
PEOPLES NATIONAL BANK — 2004
What PEOPLES NATIONAL 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 | 104,358,000 | 104,939,000 | 108,908,000 | 110,541,000 |
| Total loans | 83,894,000 | 84,603,000 | 90,582,000 | 92,083,000 |
| Allowance for loan losses | 974,000 | 1,172,000 | 1,502,000 | 2,156,000 |
| Securities available for sale | 5,922,000 | 5,162,000 | 4,876,000 | 4,539,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,526,000 | 92,950,000 | 98,054,000 | 99,555,000 |
| Interest-bearing deposits | 71,044,000 | 72,846,000 | 75,800,000 | 76,274,000 |
| Noninterest-bearing deposits | 20,482,000 | 20,104,000 | 22,254,000 | 23,280,000 |
| Equity capital | 8,129,000 | 8,136,000 | 8,356,000 | 8,371,000 |
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 | 1,524,000 | 3,182,000 | 4,808,000 | 6,720,000 |
| Interest expense | 240,000 | 481,000 | 727,000 | 970,000 |
| Net interest income | 1,284,000 | 2,701,000 | 4,088,000 | 5,750,000 |
| Noninterest income | 811,000 | 1,660,000 | 2,718,000 | 3,427,000 |
| Noninterest expense | 2,089,000 | 4,048,000 | 5,951,000 | 7,511,000 |
| Provision for loan losses | 0 | 200,000 | 556,000 | 1,529,000 |
| Pretax income | 6,000 | 113,000 | 299,000 | 137,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 6,000 | 113,000 | 299,000 | 137,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,884,000 | 7,990,000 | 8,177,000 | 8,214,000 |
| Total capital | 8,857,000 | 9,077,000 | 9,323,000 | 9,393,000 |
| Risk-weighted assets | 85,988,000 | 86,913,000 | 91,686,000 | 93,204,000 |