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 | 84,992,000 | 86,403,000 | 86,253,000 | 88,113,000 |
| Total loans | 63,126,000 | 64,801,000 | 65,797,000 | 67,152,000 |
| Allowance for loan losses | 651,000 | 677,000 | 691,000 | 707,000 |
| Securities available for sale | 16,605,000 | 15,223,000 | 14,376,000 | 13,040,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,482,000 | 68,085,000 | 70,460,000 | 73,142,000 |
| Interest-bearing deposits | 56,614,000 | 54,889,000 | 55,460,000 | 57,396,000 |
| Noninterest-bearing deposits | 12,868,000 | 13,196,000 | 15,000,000 | 15,746,000 |
| Equity capital | 7,711,000 | 7,518,000 | 7,870,000 | 7,890,000 |
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 | 1,319,000 | 2,697,000 | 4,056,000 | 5,453,000 |
| Interest expense | 404,000 | 797,000 | 1,192,000 | 1,583,000 |
| Net interest income | 915,000 | 1,900,000 | 2,864,000 | 3,870,000 |
| Noninterest income | 164,000 | 343,000 | 524,000 | 689,000 |
| Noninterest expense | 663,000 | 1,278,000 | 1,929,000 | 2,664,000 |
| Provision for loan losses | 34,000 | 69,000 | 104,000 | 138,000 |
| Pretax income | 382,000 | 896,000 | 1,355,000 | 1,757,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 382,000 | 896,000 | 1,355,000 | 1,757,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,241,000 | 7,455,000 | 7,614,000 | 7,716,000 |
| Total capital | 7,892,000 | 8,132,000 | 8,305,000 | 8,423,000 |
| Risk-weighted assets | 61,661,000 | 63,112,000 | 64,029,000 | 65,333,000 |