Call reports 2004
PEOPLES BANK OF GREENSBORO — 2004
What PEOPLES BANK OF GREENSBORO 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 | 65,427,000 | 66,147,000 | 63,233,000 | 63,830,000 |
| Total loans | 33,382,000 | 34,509,000 | 36,164,000 | 36,971,000 |
| Allowance for loan losses | 415,000 | 407,000 | 410,000 | 411,000 |
| Securities available for sale | 24,380,000 | 20,496,000 | 21,178,000 | 20,303,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,182,000 | 55,991,000 | 54,167,000 | 55,941,000 |
| Interest-bearing deposits | 46,759,000 | 44,420,000 | 43,309,000 | 43,311,000 |
| Noninterest-bearing deposits | 9,423,000 | 11,571,000 | 10,858,000 | 12,630,000 |
| Equity capital | 8,534,000 | 7,810,000 | 8,447,000 | 7,654,000 |
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 | 866,000 | 1,713,000 | 2,562,000 | 3,464,000 |
| Interest expense | 196,000 | 369,000 | 540,000 | 727,000 |
| Net interest income | 670,000 | 1,344,000 | 2,022,000 | 2,737,000 |
| Noninterest income | 76,000 | 163,000 | 254,000 | 332,000 |
| Noninterest expense | 455,000 | 815,000 | 1,152,000 | 1,727,000 |
| Provision for loan losses | 0 | 0 | 0 | 19,000 |
| Pretax income | 291,000 | 692,000 | 1,124,000 | 1,323,000 |
| Income tax | 15,000 | 38,000 | 64,000 | 79,000 |
| Net income | 276,000 | 654,000 | 1,060,000 | 1,244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,021,000 | 7,899,000 | 8,305,000 | 7,599,000 |
| Total capital | 8,436,000 | 8,306,000 | 8,715,000 | 8,010,000 |
| Risk-weighted assets | 44,489,000 | 44,335,000 | 44,860,000 | 45,416,000 |