Call reports 2004
PEOPLES BANK AND TRUST COMPANY — 2004
What PEOPLES BANK AND TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 43,345,000 | 42,869,000 | 42,895,000 | 42,234,000 |
| Total loans | 13,506,000 | 13,485,000 | 13,818,000 | 14,162,000 |
| Allowance for loan losses | 269,000 | 265,000 | 265,000 | 280,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 24,291,000 | 27,483,000 | 27,299,000 | 26,300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,406,000 | 37,774,000 | 37,647,000 | 36,936,000 |
| Interest-bearing deposits | 34,616,000 | 33,692,000 | 33,772,000 | 32,831,000 |
| Noninterest-bearing deposits | 3,790,000 | 4,082,000 | 3,875,000 | 4,105,000 |
| Equity capital | 4,814,000 | 4,943,000 | 5,088,000 | 5,070,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 470,000 | 951,000 | 1,435,000 | 1,930,000 |
| Interest expense | 158,000 | 320,000 | 487,000 | 664,000 |
| Net interest income | 312,000 | 631,000 | 948,000 | 1,266,000 |
| Noninterest income | 18,000 | 38,000 | 63,000 | 95,000 |
| Noninterest expense | 157,000 | 319,000 | 456,000 | 683,000 |
| Provision for loan losses | 0 | 0 | 0 | 15,000 |
| Pretax income | 173,000 | 355,000 | 560,000 | 668,000 |
| Income tax | 50,000 | 103,000 | 163,000 | 189,000 |
| Net income | 123,000 | 252,000 | 397,000 | 479,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,814,000 | 4,943,000 | 5,088,000 | 5,070,000 |
| Total capital | 5,023,000 | 5,150,000 | 5,298,000 | 5,283,000 |
| Risk-weighted assets | 16,638,000 | 16,515,000 | 16,781,000 | 16,998,000 |
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