Call reports 2005
PEOPLES BANK CO. — 2005
What PEOPLES BANK CO. 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 | 39,505,000 | 40,608,000 | 40,835,000 | 40,187,000 |
| Total loans | 23,654,000 | 24,560,000 | 25,873,000 | 25,305,000 |
| Allowance for loan losses | 173,000 | 186,000 | 199,000 | 212,000 |
| Securities available for sale | 10,730,000 | 10,197,000 | 9,683,000 | 9,427,000 |
| Securities held to maturity | 2,763,000 | 2,994,000 | 2,989,000 | 2,985,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,714,000 | 32,055,000 | 31,030,000 | 31,536,000 |
| Interest-bearing deposits | 26,114,000 | 25,511,000 | 24,951,000 | 24,975,000 |
| Noninterest-bearing deposits | 6,600,000 | 6,544,000 | 6,079,000 | 6,561,000 |
| Equity capital | 3,250,000 | 3,341,000 | 3,348,000 | 3,340,000 |
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 | 480,000 | 992,000 | 1,523,000 | 2,075,000 |
| Interest expense | 147,000 | 309,000 | 497,000 | 701,000 |
| Net interest income | 333,000 | 683,000 | 1,026,000 | 1,374,000 |
| Noninterest income | 44,000 | 91,000 | 150,000 | 193,000 |
| Noninterest expense | 291,000 | 603,000 | 901,000 | 1,210,000 |
| Provision for loan losses | 15,000 | 30,000 | 46,000 | 60,000 |
| Pretax income | 71,000 | 141,000 | 229,000 | 297,000 |
| Income tax | 13,000 | 24,000 | 40,000 | 31,000 |
| Net income | 58,000 | 117,000 | 189,000 | 266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,393,000 | 3,405,000 | 3,433,000 | 3,465,000 |
| Total capital | 3,566,000 | 3,591,000 | 3,632,000 | 3,677,000 |
| Risk-weighted assets | 26,376,000 | 27,152,000 | 28,228,000 | 28,048,000 |