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 | 38,431,000 | 43,048,000 | 49,264,000 | 50,984,000 |
| Total loans | 28,530,000 | 30,276,000 | 35,848,000 | 37,992,000 |
| Allowance for loan losses | 339,000 | 379,000 | 424,000 | 465,000 |
| Securities available for sale | 4,318,000 | 4,338,000 | 5,849,000 | 4,878,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,410,000 | 36,009,000 | 41,771,000 | 43,383,000 |
| Interest-bearing deposits | 23,113,000 | 26,223,000 | 31,594,000 | 33,484,000 |
| Noninterest-bearing deposits | 9,297,000 | 9,786,000 | 10,177,000 | 9,899,000 |
| Equity capital | 5,217,000 | 5,318,000 | 5,476,000 | 5,607,000 |
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 | 541,000 | 1,168,000 | 1,909,000 | 2,771,000 |
| Interest expense | 99,000 | 235,000 | 411,000 | 646,000 |
| Net interest income | 442,000 | 933,000 | 1,498,000 | 2,125,000 |
| Noninterest income | 33,000 | 55,000 | 114,000 | 143,000 |
| Noninterest expense | 338,000 | 704,000 | 1,085,000 | 1,486,000 |
| Provision for loan losses | 55,000 | 96,000 | 141,000 | 182,000 |
| Pretax income | 82,000 | 188,000 | 386,000 | 600,000 |
| Income tax | 0 | 0 | 26,000 | 103,000 |
| Net income | 82,000 | 188,000 | 360,000 | 497,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,207,000 | 5,298,000 | 5,456,000 | 5,616,000 |
| Total capital | 5,546,000 | 5,677,000 | 5,880,000 | 6,081,000 |
| Risk-weighted assets | 29,612,000 | 31,911,000 | 37,208,000 | 39,198,000 |