Call reports 2004
PEOPLES BANK OF THE SOUTH — 2004
What PEOPLES BANK OF THE SOUTH 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 | 109,106,000 | 109,406,000 | 110,471,000 | 109,633,000 |
| Total loans | 74,347,000 | 76,949,000 | 79,839,000 | 78,080,000 |
| Allowance for loan losses | 762,000 | 771,000 | 834,000 | 899,000 |
| Securities available for sale | 23,338,000 | 21,811,000 | 20,975,000 | 17,656,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,354,000 | 91,524,000 | 91,012,000 | 91,513,000 |
| Interest-bearing deposits | 74,314,000 | 75,012,000 | 74,493,000 | 73,884,000 |
| Noninterest-bearing deposits | 16,040,000 | 16,512,000 | 16,519,000 | 17,629,000 |
| Equity capital | 17,363,000 | 17,165,000 | 17,406,000 | 17,371,000 |
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 | 1,615,000 | 3,180,000 | 4,820,000 | 6,449,000 |
| Interest expense | 233,000 | 471,000 | 729,000 | 1,025,000 |
| Net interest income | 1,382,000 | 2,709,000 | 4,091,000 | 5,424,000 |
| Noninterest income | 136,000 | 302,000 | 460,000 | 632,000 |
| Noninterest expense | 878,000 | 1,773,000 | 2,724,000 | 3,695,000 |
| Provision for loan losses | 30,000 | 60,000 | 131,000 | 221,000 |
| Pretax income | 616,000 | 1,186,000 | 1,704,000 | 2,148,000 |
| Income tax | 211,000 | 406,000 | 577,000 | 711,000 |
| Net income | 405,000 | 780,000 | 1,127,000 | 1,437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,703,000 | 16,869,000 | 17,005,000 | 17,100,000 |
| Total capital | 17,465,000 | 17,640,000 | 17,839,000 | 17,999,000 |
| Risk-weighted assets | 72,112,000 | 74,008,000 | 76,607,000 | 75,059,000 |