Call reports 2004
PEOPLES BANK — 2004
What PEOPLES BANK 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 | 166,370,000 | 165,241,000 | 165,555,000 | 169,639,000 |
| Total loans | 116,059,000 | 121,191,000 | 123,270,000 | 128,729,000 |
| Allowance for loan losses | 1,513,000 | 1,610,000 | 1,635,000 | 1,696,000 |
| Securities available for sale | 25,519,000 | 26,373,000 | 23,760,000 | 21,096,000 |
| Securities held to maturity | 3,451,000 | 3,449,000 | 3,448,000 | 3,447,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,270,000 | 145,336,000 | 144,039,000 | 148,184,000 |
| Interest-bearing deposits | 111,765,000 | 110,382,000 | 109,133,000 | 114,369,000 |
| Noninterest-bearing deposits | 34,505,000 | 34,954,000 | 34,906,000 | 33,815,000 |
| Equity capital | 19,101,000 | 19,157,000 | 20,063,000 | 20,258,000 |
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 | 2,312,000 | 4,669,000 | 7,043,000 | 9,510,000 |
| Interest expense | 473,000 | 921,000 | 1,374,000 | 1,844,000 |
| Net interest income | 1,839,000 | 3,748,000 | 5,669,000 | 7,666,000 |
| Noninterest income | 294,000 | 594,000 | 913,000 | 1,214,000 |
| Noninterest expense | 1,269,000 | 2,529,000 | 3,804,000 | 5,101,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 759,000 | 1,605,000 | 2,474,000 | 3,369,000 |
| Income tax | 254,000 | 538,000 | 841,000 | 1,136,000 |
| Net income | 505,000 | 1,067,000 | 1,633,000 | 2,233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,031,000 | 16,661,000 | 17,297,000 | 17,649,000 |
| Total capital | 17,510,000 | 18,200,000 | 18,870,000 | 19,280,000 |
| Risk-weighted assets | 118,318,000 | 123,011,000 | 125,755,000 | 130,398,000 |