Call reports 2003
PEOPLES BANK AND TRUST COMPANY — 2003
What PEOPLES BANK AND TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 39,778,000 | 39,480,000 | 39,745,000 | 39,765,000 |
| Total loans | 13,141,000 | 13,302,000 | 13,141,000 | 13,446,000 |
| Allowance for loan losses | 248,000 | 248,000 | 248,000 | 269,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 18,294,000 | 22,638,000 | 24,930,000 | 23,263,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,177,000 | 34,766,000 | 34,860,000 | 34,889,000 |
| Interest-bearing deposits | 31,467,000 | 31,191,000 | 31,324,000 | 31,280,000 |
| Noninterest-bearing deposits | 3,710,000 | 3,575,000 | 3,536,000 | 3,609,000 |
| Equity capital | 4,432,000 | 4,574,000 | 4,725,000 | 4,691,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 495,000 | 982,000 | 1,480,000 | 1,953,000 |
| Interest expense | 181,000 | 350,000 | 514,000 | 667,000 |
| Net interest income | 314,000 | 632,000 | 966,000 | 1,286,000 |
| Noninterest income | 21,000 | 38,000 | 58,000 | 84,000 |
| Noninterest expense | 142,000 | 269,000 | 406,000 | 648,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 193,000 | 401,000 | 618,000 | 697,000 |
| Income tax | 58,000 | 124,000 | 190,000 | 204,000 |
| Net income | 135,000 | 277,000 | 428,000 | 493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,432,000 | 4,574,000 | 4,725,000 | 4,691,000 |
| Total capital | 4,631,000 | 4,774,000 | 4,924,000 | 4,893,000 |
| Risk-weighted assets | 15,854,000 | 15,939,000 | 15,886,000 | 16,128,000 |
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