Call reports 2004
PEOPLES BANK, THE — 2004
What PEOPLES BANK, THE 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 | 182,087,000 | 187,759,000 | 190,843,000 | 202,942,000 |
| Total loans | 145,627,000 | 154,454,000 | 159,908,000 | 171,797,000 |
| Allowance for loan losses | 1,205,000 | 1,225,000 | 1,221,000 | 1,204,000 |
| Securities available for sale | 19,878,000 | 17,305,000 | 16,264,000 | 14,139,000 |
| Securities held to maturity | 5,021,000 | 5,020,000 | 5,018,000 | 6,011,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,439,000 | 151,157,000 | 155,314,000 | 160,075,000 |
| Interest-bearing deposits | 121,021,000 | 123,345,000 | 127,804,000 | 131,469,000 |
| Noninterest-bearing deposits | 26,418,000 | 27,812,000 | 27,510,000 | 28,606,000 |
| Equity capital | 20,019,000 | 20,226,000 | 20,643,000 | 20,900,000 |
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 | 2,466,000 | 5,016,000 | 7,696,000 | 10,535,000 |
| Interest expense | 629,000 | 1,238,000 | 1,870,000 | 2,521,000 |
| Net interest income | 1,837,000 | 3,778,000 | 5,826,000 | 8,014,000 |
| Noninterest income | 252,000 | 487,000 | 724,000 | 938,000 |
| Noninterest expense | 1,024,000 | 2,098,000 | 3,194,000 | 4,231,000 |
| Provision for loan losses | 7,000 | 30,000 | 62,000 | 62,000 |
| Pretax income | 1,058,000 | 2,137,000 | 3,294,000 | 4,659,000 |
| Income tax | 398,000 | 805,000 | 1,243,000 | 1,762,000 |
| Net income | 660,000 | 1,332,000 | 2,051,000 | 2,897,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,636,000 | 20,039,000 | 20,480,000 | 20,813,000 |
| Total capital | 20,841,000 | 21,264,000 | 21,701,000 | 22,017,000 |
| Risk-weighted assets | 138,251,000 | 145,782,000 | 150,330,000 | 161,722,000 |