Call reports 2004
PEOPLES BANK CO. — 2004
What PEOPLES BANK CO. 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 | 39,062,000 | 39,688,000 | 39,361,000 | 38,635,000 |
| Total loans | 17,133,000 | 18,907,000 | 20,611,000 | 21,853,000 |
| Allowance for loan losses | 213,000 | 132,000 | 144,000 | 157,000 |
| Securities available for sale | 15,912,000 | 15,477,000 | 12,661,000 | 11,184,000 |
| Securities held to maturity | 2,615,000 | 2,967,000 | 2,964,000 | 3,232,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,070,000 | 30,651,000 | 31,018,000 | 31,428,000 |
| Interest-bearing deposits | 26,294,000 | 24,572,000 | 24,350,000 | 24,385,000 |
| Noninterest-bearing deposits | 6,776,000 | 6,079,000 | 6,668,000 | 7,043,000 |
| Equity capital | 3,317,000 | 3,107,000 | 3,306,000 | 3,318,000 |
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 | 462,000 | 926,000 | 1,413,000 | 1,900,000 |
| Interest expense | 123,000 | 240,000 | 370,000 | 499,000 |
| Net interest income | 339,000 | 686,000 | 1,043,000 | 1,401,000 |
| Noninterest income | 48,000 | 95,000 | 142,000 | 184,000 |
| Noninterest expense | 265,000 | 562,000 | 866,000 | 1,146,000 |
| Provision for loan losses | 0 | 14,000 | 29,000 | 45,000 |
| Pretax income | 122,000 | 202,000 | 282,000 | 388,000 |
| Income tax | 38,000 | 51,000 | 62,000 | 76,000 |
| Net income | 84,000 | 151,000 | 220,000 | 312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,286,000 | 3,308,000 | 3,332,000 | 3,379,000 |
| Total capital | 3,499,000 | 3,440,000 | 3,476,000 | 3,536,000 |
| Risk-weighted assets | 22,657,000 | 23,712,000 | 24,777,000 | 24,710,000 |