Call reports 2003
PEOPLES BANK, THE — 2003
What PEOPLES BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 165,833,000 | 167,847,000 | 169,785,000 | 180,395,000 |
| Total loans | 121,436,000 | 130,568,000 | 133,658,000 | 139,017,000 |
| Allowance for loan losses | 1,159,000 | 1,233,000 | 1,222,000 | 1,217,000 |
| Securities available for sale | 28,282,000 | 26,936,000 | 25,585,000 | 22,901,000 |
| Securities held to maturity | 2,025,000 | 1,022,000 | 1,019,000 | 3,034,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,969,000 | 142,813,000 | 142,596,000 | 148,066,000 |
| Interest-bearing deposits | 117,136,000 | 118,656,000 | 117,872,000 | 123,041,000 |
| Noninterest-bearing deposits | 21,833,000 | 24,157,000 | 24,724,000 | 25,025,000 |
| Equity capital | 19,046,000 | 19,302,000 | 19,412,000 | 19,642,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,421,000 | 4,845,000 | 7,267,000 | 9,730,000 |
| Interest expense | 729,000 | 1,446,000 | 2,122,000 | 2,798,000 |
| Net interest income | 1,692,000 | 3,399,000 | 5,145,000 | 6,932,000 |
| Noninterest income | 226,000 | 439,000 | 650,000 | 859,000 |
| Noninterest expense | 1,010,000 | 2,046,000 | 3,070,000 | 4,104,000 |
| Provision for loan losses | 3,000 | 88,000 | 88,000 | 88,000 |
| Pretax income | 905,000 | 1,704,000 | 2,637,000 | 3,599,000 |
| Income tax | 333,000 | 628,000 | 976,000 | 1,335,000 |
| Net income | 572,000 | 1,076,000 | 1,661,000 | 2,264,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,424,000 | 18,582,000 | 18,905,000 | 19,247,000 |
| Total capital | 19,583,000 | 19,815,000 | 20,127,000 | 20,464,000 |
| Risk-weighted assets | 117,698,000 | 124,863,000 | 127,721,000 | 133,691,000 |