Call reports 2007
PEOPLES BANK AND TRUST COMPANY — 2007
What PEOPLES BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 47,725,000 | 46,225,000 | 47,097,000 | 46,588,000 |
| Total loans | 15,602,000 | 16,161,000 | 16,360,000 | 16,112,000 |
| Allowance for loan losses | 288,000 | 288,000 | 287,000 | 287,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 26,104,000 | 27,520,000 | 27,294,000 | 28,025,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,703,000 | 40,032,000 | 40,730,000 | 40,226,000 |
| Interest-bearing deposits | 36,231,000 | 34,479,000 | 35,874,000 | 35,418,000 |
| Noninterest-bearing deposits | 5,472,000 | 5,553,000 | 4,856,000 | 4,808,000 |
| Equity capital | 5,764,000 | 5,879,000 | 6,003,000 | 5,928,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 579,000 | 1,188,000 | 1,812,000 | 2,439,000 |
| Interest expense | 304,000 | 632,000 | 969,000 | 1,302,000 |
| Net interest income | 275,000 | 556,000 | 843,000 | 1,137,000 |
| Noninterest income | 28,000 | 61,000 | 90,000 | 140,000 |
| Noninterest expense | 167,000 | 321,000 | 460,000 | 777,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 137,000 | 298,000 | 475,000 | 505,000 |
| Income tax | 37,000 | 83,000 | 136,000 | 141,000 |
| Net income | 100,000 | 215,000 | 339,000 | 364,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,764,000 | 5,879,000 | 6,003,000 | 5,928,000 |
| Total capital | 6,002,000 | 6,118,000 | 6,246,000 | 6,169,000 |
| Risk-weighted assets | 19,008,000 | 19,051,000 | 19,375,000 | 19,241,000 |
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