Call reports 2005
PEOPLES BANK AND TRUST COMPANY — 2005
What PEOPLES BANK AND TRUST COMPANY 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 | 44,965,000 | 44,423,000 | 44,621,000 | 44,114,000 |
| Total loans | 14,658,000 | 15,219,000 | 15,398,000 | 15,819,000 |
| Allowance for loan losses | 280,000 | 277,000 | 277,000 | 292,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 27,301,000 | 27,827,000 | 27,831,000 | 27,135,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,603,000 | 38,966,000 | 38,105,000 | 37,295,000 |
| Interest-bearing deposits | 35,241,000 | 34,738,000 | 33,693,000 | 32,879,000 |
| Noninterest-bearing deposits | 4,362,000 | 4,228,000 | 4,412,000 | 4,416,000 |
| Equity capital | 5,185,000 | 5,312,000 | 5,446,000 | 5,402,000 |
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 | 499,000 | 1,003,000 | 1,541,000 | 2,047,000 |
| Interest expense | 202,000 | 398,000 | 613,000 | 837,000 |
| Net interest income | 297,000 | 605,000 | 928,000 | 1,210,000 |
| Noninterest income | 29,000 | 52,000 | 73,000 | 104,000 |
| Noninterest expense | 168,000 | 323,000 | 480,000 | 704,000 |
| Provision for loan losses | 0 | 0 | 0 | 15,000 |
| Pretax income | 159,000 | 336,000 | 526,000 | 601,000 |
| Income tax | 44,000 | 94,000 | 150,000 | 169,000 |
| Net income | 115,000 | 242,000 | 376,000 | 432,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,185,000 | 5,312,000 | 5,446,000 | 5,402,000 |
| Total capital | 5,411,000 | 5,535,000 | 5,674,000 | 5,630,000 |
| Risk-weighted assets | 18,002,000 | 17,799,000 | 18,170,000 | 18,186,000 |
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