Call reports 2005
PEOPLES BANK, THE — 2005
What PEOPLES BANK, THE 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 | 215,792,000 | 227,091,000 | 236,492,000 | 238,285,000 |
| Total loans | 183,931,000 | 193,651,000 | 201,609,000 | 204,793,000 |
| Allowance for loan losses | 1,313,000 | 1,435,000 | 1,552,000 | 1,649,000 |
| Securities available for sale | 13,547,000 | 11,534,000 | 9,514,000 | 10,439,000 |
| Securities held to maturity | 6,506,000 | 8,510,000 | 10,463,000 | 9,465,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,308,000 | 162,921,000 | 163,060,000 | 164,270,000 |
| Interest-bearing deposits | 129,596,000 | 131,445,000 | 132,052,000 | 130,754,000 |
| Noninterest-bearing deposits | 29,712,000 | 31,476,000 | 31,008,000 | 33,516,000 |
| Equity capital | 21,424,000 | 21,989,000 | 22,632,000 | 23,263,000 |
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 | 3,082,000 | 6,420,000 | 9,976,000 | 13,678,000 |
| Interest expense | 751,000 | 1,691,000 | 2,718,000 | 3,855,000 |
| Net interest income | 2,331,000 | 4,729,000 | 7,258,000 | 9,823,000 |
| Noninterest income | 257,000 | 519,000 | 765,000 | 1,020,000 |
| Noninterest expense | 1,083,000 | 2,216,000 | 3,347,000 | 4,537,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 1,385,000 | 2,792,000 | 4,316,000 | 5,826,000 |
| Income tax | 521,000 | 1,050,000 | 1,623,000 | 2,191,000 |
| Net income | 864,000 | 1,742,000 | 2,693,000 | 3,635,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,393,000 | 21,969,000 | 22,627,000 | 23,270,000 |
| Total capital | 22,706,000 | 23,404,000 | 24,179,000 | 24,919,000 |
| Risk-weighted assets | 173,691,000 | 183,828,000 | 191,773,000 | 194,542,000 |