Call reports 2005
PEOPLES BANK OF GREENSBORO — 2005
What PEOPLES BANK OF GREENSBORO 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 | 61,813,000 | 64,122,000 | 65,475,000 | 66,106,000 |
| Total loans | 36,777,000 | 37,537,000 | 38,725,000 | 39,498,000 |
| Allowance for loan losses | 393,000 | 393,000 | 399,000 | 411,000 |
| Securities available for sale | 18,221,000 | 19,768,000 | 18,378,000 | 19,335,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,953,000 | 56,244,000 | 57,383,000 | 58,611,000 |
| Interest-bearing deposits | 43,606,000 | 44,564,000 | 45,035,000 | 45,105,000 |
| Noninterest-bearing deposits | 10,348,000 | 11,680,000 | 12,349,000 | 13,506,000 |
| Equity capital | 7,655,000 | 7,696,000 | 7,868,000 | 7,209,000 |
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 | 869,000 | 1,770,000 | 2,712,000 | 3,699,000 |
| Interest expense | 200,000 | 428,000 | 683,000 | 952,000 |
| Net interest income | 669,000 | 1,342,000 | 2,029,000 | 2,747,000 |
| Noninterest income | 88,000 | 180,000 | 274,000 | 362,000 |
| Noninterest expense | 455,000 | 825,000 | 1,195,000 | 1,673,000 |
| Provision for loan losses | 0 | 0 | 0 | 22,000 |
| Pretax income | 307,000 | 702,000 | 1,137,000 | 1,443,000 |
| Income tax | 9,000 | 32,000 | 57,000 | 78,000 |
| Net income | 298,000 | 670,000 | 1,080,000 | 1,365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,900,000 | 7,769,000 | 8,179,000 | 7,595,000 |
| Total capital | 8,293,000 | 8,162,000 | 8,578,000 | 8,006,000 |
| Risk-weighted assets | 43,933,000 | 44,367,000 | 45,402,000 | 45,996,000 |