Call reports 2003
PEOPLES BANK — 2003
What PEOPLES BANK 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 | 155,174,000 | 155,736,000 | 165,334,000 | 162,754,000 |
| Total loans | 107,184,000 | 108,825,000 | 114,273,000 | 114,236,000 |
| Allowance for loan losses | 1,144,000 | 1,272,000 | 1,328,000 | 1,419,000 |
| Securities available for sale | 27,097,000 | 24,760,000 | 26,594,000 | 26,502,000 |
| Securities held to maturity | 3,904,000 | 3,902,000 | 3,755,000 | 3,554,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,057,000 | 136,780,000 | 146,105,000 | 142,979,000 |
| Interest-bearing deposits | 105,859,000 | 105,639,000 | 111,632,000 | 110,294,000 |
| Noninterest-bearing deposits | 31,198,000 | 31,141,000 | 34,473,000 | 32,685,000 |
| Equity capital | 17,279,000 | 17,969,000 | 18,195,000 | 18,454,000 |
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 | 2,266,000 | 4,571,000 | 6,934,000 | 9,287,000 |
| Interest expense | 566,000 | 1,121,000 | 1,656,000 | 2,168,000 |
| Net interest income | 1,700,000 | 3,450,000 | 5,278,000 | 7,119,000 |
| Noninterest income | 310,000 | 705,000 | 1,026,000 | 1,313,000 |
| Noninterest expense | 1,236,000 | 2,470,000 | 3,712,000 | 4,974,000 |
| Provision for loan losses | 150,000 | 267,000 | 385,000 | 485,000 |
| Pretax income | 651,000 | 1,454,000 | 2,243,000 | 3,010,000 |
| Income tax | 215,000 | 470,000 | 735,000 | 1,006,000 |
| Net income | 436,000 | 984,000 | 1,508,000 | 2,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,934,000 | 14,552,000 | 15,145,000 | 15,455,000 |
| Total capital | 15,078,000 | 15,824,000 | 16,473,000 | 16,874,000 |
| Risk-weighted assets | 108,325,000 | 109,408,000 | 115,997,000 | 115,622,000 |