Call reports 2005
PEOPLES BANK — 2005
What PEOPLES BANK 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 | 171,271,000 | 170,213,000 | 164,057,000 | 169,607,000 |
| Total loans | 128,269,000 | 124,063,000 | 123,171,000 | 121,881,000 |
| Allowance for loan losses | 1,609,000 | 1,552,000 | 1,602,000 | 1,538,000 |
| Securities available for sale | 21,759,000 | 21,415,000 | 21,747,000 | 21,922,000 |
| Securities held to maturity | 3,445,000 | 3,444,000 | 3,443,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,535,000 | 147,740,000 | 140,841,000 | 152,144,000 |
| Interest-bearing deposits | 115,579,000 | 111,758,000 | 104,838,000 | 110,627,000 |
| Noninterest-bearing deposits | 33,956,000 | 35,982,000 | 36,003,000 | 41,517,000 |
| Equity capital | 20,656,000 | 21,412,000 | 21,974,000 | 15,098,000 |
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 | 2,506,000 | 5,076,000 | 7,774,000 | 10,521,000 |
| Interest expense | 539,000 | 1,146,000 | 1,791,000 | 2,506,000 |
| Net interest income | 1,967,000 | 3,930,000 | 5,983,000 | 8,015,000 |
| Noninterest income | 305,000 | 638,000 | 943,000 | 1,251,000 |
| Noninterest expense | 1,308,000 | 2,581,000 | 3,920,000 | 7,064,000 |
| Provision for loan losses | 105,000 | 210,000 | 280,000 | 280,000 |
| Pretax income | 859,000 | 1,777,000 | 2,726,000 | 1,922,000 |
| Income tax | 290,000 | 600,000 | 927,000 | 893,000 |
| Net income | 569,000 | 1,177,000 | 1,799,000 | 1,029,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,287,000 | 18,952,000 | 19,644,000 | 12,943,000 |
| Total capital | 19,896,000 | 20,504,000 | 21,209,000 | 14,481,000 |
| Risk-weighted assets | 129,924,000 | 126,985,000 | 125,126,000 | 123,965,000 |