Call reports 2005
PEOPLES NATIONAL BANK, THE — 2005
What PEOPLES NATIONAL BANK, THE 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 | 246,887,000 | 265,361,000 | 270,274,000 | 275,450,000 |
| Total loans | 185,620,000 | 201,464,000 | 205,313,000 | 216,552,000 |
| Allowance for loan losses | 2,027,000 | 2,077,000 | 2,072,000 | 1,993,000 |
| Securities available for sale | 31,877,000 | 33,650,000 | 33,307,000 | 33,173,000 |
| Securities held to maturity | 4,613,000 | 4,657,000 | 4,769,000 | 5,329,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,907,000 | 217,313,000 | 216,166,000 | 217,843,000 |
| Interest-bearing deposits | 171,003,000 | 182,078,000 | 181,308,000 | 204,087,000 |
| Noninterest-bearing deposits | 29,904,000 | 35,235,000 | 34,858,000 | 13,756,000 |
| Equity capital | 22,450,000 | 22,967,000 | 23,367,000 | 23,726,000 |
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 | 3,243,000 | 6,870,000 | 10,772,000 | 14,880,000 |
| Interest expense | 931,000 | 2,033,000 | 3,309,000 | 4,664,000 |
| Net interest income | 2,312,000 | 4,837,000 | 7,463,000 | 10,216,000 |
| Noninterest income | 630,000 | 1,267,000 | 1,937,000 | 2,604,000 |
| Noninterest expense | 1,957,000 | 3,981,000 | 6,112,000 | 8,289,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 345,000 |
| Pretax income | 910,000 | 1,976,000 | 3,066,000 | 4,189,000 |
| Income tax | 298,000 | 655,000 | 1,023,000 | 1,406,000 |
| Net income | 612,000 | 1,321,000 | 2,043,000 | 2,783,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,857,000 | 23,269,000 | 23,694,000 | 24,136,000 |
| Total capital | 24,884,000 | 25,346,000 | 25,766,000 | 26,129,000 |
| Risk-weighted assets | 197,839,000 | 205,824,000 | 213,988,000 | 225,683,000 |