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 | 108,865,000 | 118,795,000 | 131,529,000 | 131,389,000 |
| Total loans | 70,223,000 | 81,698,000 | 94,706,000 | 96,426,000 |
| Allowance for loan losses | 678,000 | 718,000 | 794,000 | 850,000 |
| Securities available for sale | 18,117,000 | 18,883,000 | 16,628,000 | 16,364,000 |
| Securities held to maturity | 498,000 | 479,000 | 442,000 | 441,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,249,000 | 100,374,000 | 117,641,000 | 113,022,000 |
| Interest-bearing deposits | 75,282,000 | 78,184,000 | 92,460,000 | 84,804,000 |
| Noninterest-bearing deposits | 20,967,000 | 22,190,000 | 25,181,000 | 28,218,000 |
| Equity capital | 11,734,000 | 11,645,000 | 11,952,000 | 12,321,000 |
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 | 1,450,000 | 3,049,000 | 5,023,000 | 7,224,000 |
| Interest expense | 358,000 | 791,000 | 1,364,000 | 2,025,000 |
| Net interest income | 1,092,000 | 2,258,000 | 3,659,000 | 5,199,000 |
| Noninterest income | 164,000 | 409,000 | 645,000 | 907,000 |
| Noninterest expense | 912,000 | 1,889,000 | 2,966,000 | 4,126,000 |
| Provision for loan losses | 52,000 | 119,000 | 197,000 | 259,000 |
| Pretax income | 292,000 | 659,000 | 1,141,000 | 1,721,000 |
| Income tax | 96,000 | 220,000 | 384,000 | 578,000 |
| Net income | 196,000 | 439,000 | 757,000 | 1,143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,418,000 | 10,335,000 | 10,653,000 | 11,040,000 |
| Total capital | 11,096,000 | 11,053,000 | 11,447,000 | 11,890,000 |
| Risk-weighted assets | 76,021,000 | 88,958,000 | 100,426,000 | 103,559,000 |