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 | 90,350,000 | 89,161,000 | 88,590,000 | 90,072,000 |
| Total loans | 67,001,000 | 70,626,000 | 70,682,000 | 72,967,000 |
| Allowance for loan losses | 734,000 | 775,000 | 816,000 | 879,000 |
| Securities available for sale | 12,050,000 | 12,403,000 | 12,844,000 | 12,286,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,495,000 | 73,760,000 | 73,079,000 | 69,492,000 |
| Interest-bearing deposits | 59,346,000 | 58,216,000 | 57,349,000 | 53,839,000 |
| Noninterest-bearing deposits | 16,149,000 | 15,544,000 | 15,730,000 | 15,653,000 |
| Equity capital | 7,879,000 | 8,161,000 | 8,372,000 | 8,474,000 |
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 | 1,397,000 | 2,876,000 | 4,413,000 | 6,004,000 |
| Interest expense | 390,000 | 810,000 | 1,238,000 | 1,705,000 |
| Net interest income | 1,007,000 | 2,066,000 | 3,175,000 | 4,299,000 |
| Noninterest income | 162,000 | 327,000 | 499,000 | 686,000 |
| Noninterest expense | 667,000 | 1,342,000 | 2,053,000 | 2,747,000 |
| Provision for loan losses | 40,000 | 85,000 | 119,000 | 204,000 |
| Pretax income | 462,000 | 966,000 | 1,502,000 | 2,034,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 462,000 | 966,000 | 1,502,000 | 2,034,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,879,000 | 8,084,000 | 8,321,000 | 8,554,000 |
| Total capital | 8,613,000 | 8,859,000 | 9,137,000 | 9,433,000 |
| Risk-weighted assets | 67,732,000 | 70,352,000 | 70,228,000 | 71,598,000 |