Call reports 2004
PEOPLES COMMUNITY BANK — 2004
What PEOPLES COMMUNITY BANK 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 | 155,182,000 | 154,454,000 | 159,896,000 | 160,175,000 |
| Total loans | 119,564,000 | 123,051,000 | 131,999,000 | 126,381,000 |
| Allowance for loan losses | 1,743,000 | 1,818,000 | 1,924,000 | 1,811,000 |
| Securities available for sale | 22,301,000 | 20,518,000 | 17,100,000 | 20,409,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,538,000 | 139,719,000 | 143,025,000 | 144,723,000 |
| Interest-bearing deposits | 128,849,000 | 128,266,000 | 131,788,000 | 132,483,000 |
| Noninterest-bearing deposits | 11,689,000 | 11,453,000 | 11,237,000 | 12,240,000 |
| Equity capital | 13,601,000 | 13,237,000 | 13,526,000 | 13,893,000 |
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 | 2,281,000 | 4,549,000 | 6,930,000 | 9,307,000 |
| Interest expense | 760,000 | 1,476,000 | 2,202,000 | 2,969,000 |
| Net interest income | 1,521,000 | 3,073,000 | 4,728,000 | 6,338,000 |
| Noninterest income | 77,000 | 303,000 | 512,000 | 688,000 |
| Noninterest expense | 952,000 | 1,846,000 | 2,682,000 | 3,568,000 |
| Provision for loan losses | 0 | 90,000 | 610,000 | 443,000 |
| Pretax income | 650,000 | 1,444,000 | 1,986,000 | 3,058,000 |
| Income tax | 177,000 | 485,000 | 685,000 | 1,072,000 |
| Net income | 473,000 | 959,000 | 1,301,000 | 1,986,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,210,000 | 13,195,000 | 13,287,000 | 13,722,000 |
| Total capital | 14,754,000 | 14,747,000 | 14,931,000 | 15,303,000 |
| Risk-weighted assets | 123,327,000 | 123,921,000 | 131,264,000 | 126,277,000 |