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 | 100,107,000 | 105,441,000 | 110,712,000 | 118,723,000 |
| Total loans | 89,959,000 | 93,936,000 | 101,753,000 | 109,731,000 |
| Allowance for loan losses | 1,107,000 | 1,177,000 | 1,297,000 | 1,372,000 |
| Securities available for sale | 745,000 | 744,000 | 991,000 | 990,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,553,000 | 94,828,000 | 99,491,000 | 105,851,000 |
| Interest-bearing deposits | 79,888,000 | 82,658,000 | 87,882,000 | 91,528,000 |
| Noninterest-bearing deposits | 9,665,000 | 12,170,000 | 11,609,000 | 14,323,000 |
| Equity capital | 9,684,000 | 9,863,000 | 10,028,000 | 10,217,000 |
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 | 1,362,000 | 2,854,000 | 4,535,000 | 6,335,000 |
| Interest expense | 472,000 | 1,016,000 | 1,652,000 | 2,396,000 |
| Net interest income | 890,000 | 1,838,000 | 2,883,000 | 3,939,000 |
| Noninterest income | 86,000 | 177,000 | 277,000 | 365,000 |
| Noninterest expense | 671,000 | 1,328,000 | 2,068,000 | 2,842,000 |
| Provision for loan losses | 12,000 | 82,000 | 202,000 | 282,000 |
| Pretax income | 293,000 | 605,000 | 890,000 | 1,180,000 |
| Income tax | 123,000 | 254,000 | 373,000 | 474,000 |
| Net income | 170,000 | 351,000 | 517,000 | 706,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,432,000 | 9,740,000 | 9,854,000 | 10,219,000 |
| Total capital | 10,539,000 | 10,917,000 | 11,151,000 | 11,591,000 |
| Risk-weighted assets | 93,390,000 | 97,987,000 | 105,416,000 | 112,941,000 |