Call reports 2005
PEOPLES BANK OF ALABAMA — 2005
What PEOPLES BANK OF ALABAMA 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 | 394,689,000 | 394,923,000 | 398,949,000 | 402,932,000 |
| Total loans | 186,161,000 | 199,338,000 | 200,218,000 | 211,989,000 |
| Allowance for loan losses | 2,507,000 | 2,464,000 | 2,490,000 | 2,405,000 |
| Securities available for sale | 136,650,000 | 133,889,000 | 130,845,000 | 128,878,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,025,000 | 244,475,000 | 262,194,000 | 271,901,000 |
| Interest-bearing deposits | 217,531,000 | 211,887,000 | 228,963,000 | 228,850,000 |
| Noninterest-bearing deposits | 31,494,000 | 32,588,000 | 33,231,000 | 43,051,000 |
| Equity capital | 43,161,000 | 45,493,000 | 45,672,000 | 45,991,000 |
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 | 4,774,000 | 9,719,000 | 14,706,000 | 19,959,000 |
| Interest expense | 1,554,000 | 3,175,000 | 4,934,000 | 6,819,000 |
| Net interest income | 3,220,000 | 6,544,000 | 9,772,000 | 13,140,000 |
| Noninterest income | 1,493,000 | 3,249,000 | 5,090,000 | 7,029,000 |
| Noninterest expense | 3,279,000 | 6,380,000 | 9,876,000 | 13,176,000 |
| Provision for loan losses | 25,000 | 50,000 | 114,000 | 100,000 |
| Pretax income | 1,409,000 | 3,363,000 | 4,872,000 | 6,893,000 |
| Income tax | 441,000 | 1,010,000 | 1,481,000 | 1,981,000 |
| Net income | 968,000 | 2,353,000 | 3,391,000 | 4,912,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,839,000 | 40,536,000 | 41,209,000 | 42,332,000 |
| Total capital | 41,346,000 | 43,000,000 | 43,699,000 | 44,737,000 |
| Risk-weighted assets | 236,543,000 | 246,018,000 | 251,634,000 | 262,013,000 |