Call reports 2003
PEOPLES BANK CO. — 2003
What PEOPLES BANK CO. 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 | 40,085,000 | 40,105,000 | 39,717,000 | 38,875,000 |
| Total loans | 16,736,000 | 15,622,000 | 16,833,000 | 16,922,000 |
| Allowance for loan losses | 211,000 | 221,000 | 211,000 | 214,000 |
| Securities available for sale | 15,218,000 | 16,512,000 | 18,031,000 | 16,996,000 |
| Securities held to maturity | 2,825,000 | 2,823,000 | 2,828,000 | 3,118,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,269,000 | 34,216,000 | 33,464,000 | 33,093,000 |
| Interest-bearing deposits | 27,895,000 | 27,679,000 | 27,202,000 | 26,771,000 |
| Noninterest-bearing deposits | 6,374,000 | 6,537,000 | 6,262,000 | 6,322,000 |
| Equity capital | 3,114,000 | 3,190,000 | 3,136,000 | 3,198,000 |
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 | 524,000 | 1,023,000 | 1,514,000 | 1,996,000 |
| Interest expense | 167,000 | 327,000 | 472,000 | 603,000 |
| Net interest income | 357,000 | 696,000 | 1,042,000 | 1,393,000 |
| Noninterest income | 37,000 | 87,000 | 137,000 | 188,000 |
| Noninterest expense | 245,000 | 520,000 | 787,000 | 1,079,000 |
| Provision for loan losses | 18,000 | 29,000 | 29,000 | 29,000 |
| Pretax income | 143,000 | 246,000 | 377,000 | 523,000 |
| Income tax | 40,000 | 68,000 | 90,000 | 134,000 |
| Net income | 103,000 | 178,000 | 287,000 | 389,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,061,000 | 3,106,000 | 3,185,000 | 3,247,000 |
| Total capital | 3,272,000 | 3,327,000 | 3,396,000 | 3,461,000 |
| Risk-weighted assets | 23,249,000 | 21,991,000 | 22,767,000 | 22,165,000 |