Call reports 2008
PEOPLES BANK AND TRUST COMPANY — 2008
What PEOPLES BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 50,127,000 | 50,369,000 | 50,218,000 | 50,043,000 |
| Total loans | 15,875,000 | 15,798,000 | 15,787,000 | 16,021,000 |
| Allowance for loan losses | 287,000 | 287,000 | 287,000 | 312,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 26,464,000 | 29,093,000 | 30,497,000 | 28,874,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,691,000 | 43,766,000 | 43,524,000 | 43,308,000 |
| Interest-bearing deposits | 38,837,000 | 38,762,000 | 38,647,000 | 38,051,000 |
| Noninterest-bearing deposits | 4,854,000 | 5,004,000 | 4,877,000 | 5,257,000 |
| Equity capital | 6,058,000 | 6,215,000 | 6,394,000 | 6,385,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 619,000 | 1,254,000 | 1,901,000 | 2,547,000 |
| Interest expense | 323,000 | 616,000 | 893,000 | 1,140,000 |
| Net interest income | 296,000 | 638,000 | 1,008,000 | 1,407,000 |
| Noninterest income | 39,000 | 74,000 | 112,000 | 154,000 |
| Noninterest expense | 181,000 | 339,000 | 490,000 | 746,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 180,000 | 403,000 | 661,000 | 823,000 |
| Income tax | 50,000 | 116,000 | 195,000 | 246,000 |
| Net income | 130,000 | 287,000 | 466,000 | 577,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,058,000 | 6,215,000 | 6,394,000 | 6,385,000 |
| Total capital | 6,306,000 | 6,465,000 | 6,643,000 | 6,634,000 |
| Risk-weighted assets | 19,817,000 | 19,935,000 | 19,860,000 | 19,851,000 |
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