Call reports 2004
PEOPLES NATIONAL BANK, THE — 2004
What PEOPLES NATIONAL BANK, THE 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 | 245,219,000 | 248,476,000 | 249,192,000 | 241,288,000 |
| Total loans | 178,920,000 | 181,713,000 | 192,154,000 | 180,744,000 |
| Allowance for loan losses | 2,026,000 | 2,103,000 | 2,045,000 | 2,029,000 |
| Securities available for sale | 31,943,000 | 31,240,000 | 32,257,000 | 32,583,000 |
| Securities held to maturity | 4,394,000 | 4,651,000 | 4,644,000 | 4,609,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,682,000 | 203,859,000 | 200,077,000 | 195,724,000 |
| Interest-bearing deposits | 168,172,000 | 172,354,000 | 166,218,000 | 160,391,000 |
| Noninterest-bearing deposits | 31,510,000 | 31,505,000 | 33,859,000 | 35,333,000 |
| Equity capital | 21,571,000 | 21,405,000 | 22,149,000 | 22,343,000 |
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 | 2,889,000 | 5,831,000 | 8,854,000 | 11,985,000 |
| Interest expense | 946,000 | 1,842,000 | 2,730,000 | 3,607,000 |
| Net interest income | 1,943,000 | 3,989,000 | 6,124,000 | 8,378,000 |
| Noninterest income | 974,000 | 2,142,000 | 3,094,000 | 3,785,000 |
| Noninterest expense | 2,593,000 | 4,842,000 | 6,934,000 | 8,914,000 |
| Provision for loan losses | 50,000 | 125,000 | 200,000 | 275,000 |
| Pretax income | 349,000 | 1,263,000 | 2,183,000 | 3,073,000 |
| Income tax | 115,000 | 394,000 | 672,000 | 964,000 |
| Net income | 234,000 | 869,000 | 1,511,000 | 2,109,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,459,000 | 21,836,000 | 22,220,000 | 22,541,000 |
| Total capital | 23,485,000 | 23,939,000 | 24,265,000 | 24,570,000 |
| Risk-weighted assets | 186,056,000 | 192,820,000 | 198,934,000 | 194,846,000 |