Call reports 2004
PEOPLES BANK OF ALABAMA — 2004
What PEOPLES BANK OF ALABAMA 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 | 329,153,000 | 343,983,000 | 392,303,000 | 393,599,000 |
| Total loans | 188,156,000 | 194,703,000 | 195,875,000 | 195,439,000 |
| Allowance for loan losses | 2,402,000 | 2,388,000 | 2,485,000 | 2,500,000 |
| Securities available for sale | 62,298,000 | 97,476,000 | 141,835,000 | 136,983,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,597,000 | 238,779,000 | 239,950,000 | 241,526,000 |
| Interest-bearing deposits | 183,092,000 | 186,605,000 | 211,018,000 | 211,197,000 |
| Noninterest-bearing deposits | 51,505,000 | 52,174,000 | 28,932,000 | 30,329,000 |
| Equity capital | 41,511,000 | 41,277,000 | 42,982,000 | 43,464,000 |
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 | 3,910,000 | 7,930,000 | 12,255,000 | 17,084,000 |
| Interest expense | 825,000 | 1,912,000 | 3,091,000 | 4,668,000 |
| Net interest income | 3,085,000 | 6,018,000 | 9,164,000 | 12,416,000 |
| Noninterest income | 1,214,000 | 2,704,000 | 4,146,000 | 5,633,000 |
| Noninterest expense | 2,893,000 | 5,992,000 | 9,024,000 | 12,676,000 |
| Provision for loan losses | 150,000 | 250,000 | 370,000 | 426,000 |
| Pretax income | 1,256,000 | 2,480,000 | 3,916,000 | 4,955,000 |
| Income tax | 406,000 | 880,000 | 1,398,000 | 1,462,000 |
| Net income | 850,000 | 1,600,000 | 2,518,000 | 3,493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,445,000 | 36,599,000 | 37,153,000 | 37,995,000 |
| Total capital | 37,847,000 | 38,987,000 | 39,638,000 | 40,495,000 |
| Risk-weighted assets | 216,863,000 | 230,966,000 | 240,290,000 | 241,685,000 |