Call reports 2005
PEOPLES SECURITY BANK AND TRUST COMPANY — 2005
What PEOPLES SECURITY 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 | 384,501,000 | 386,827,000 | 387,172,000 | 389,093,000 |
| Total loans | 247,838,000 | 249,189,000 | 251,283,000 | 259,245,000 |
| Allowance for loan losses | 2,695,000 | 2,662,000 | 2,599,000 | 2,375,000 |
| Securities available for sale | 108,533,000 | 111,098,000 | 108,759,000 | 103,685,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 280,454,000 | 283,187,000 | 293,427,000 | 297,163,000 |
| Interest-bearing deposits | 265,110,000 | 265,866,000 | 276,108,000 | 279,186,000 |
| Noninterest-bearing deposits | 15,344,000 | 17,321,000 | 17,319,000 | 17,977,000 |
| Equity capital | 41,376,000 | 39,194,000 | 38,851,000 | 36,912,000 |
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 | 4,992,000 | 10,127,000 | 15,397,000 | 20,892,000 |
| Interest expense | 1,875,000 | 3,873,000 | 6,051,000 | 8,247,000 |
| Net interest income | 3,117,000 | 6,254,000 | 9,346,000 | 12,645,000 |
| Noninterest income | 644,000 | 1,325,000 | 2,043,000 | 2,783,000 |
| Noninterest expense | 2,175,000 | 4,554,000 | 7,637,000 | 9,741,000 |
| Provision for loan losses | 0 | 0 | 0 | 392,000 |
| Pretax income | 1,611,000 | 3,159,000 | 3,939,000 | 5,517,000 |
| Income tax | 331,000 | 661,000 | 716,000 | 1,004,000 |
| Net income | 1,280,000 | 2,498,000 | 3,223,000 | 4,513,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,943,000 | 37,213,000 | 37,403,000 | 36,132,000 |
| Total capital | 42,638,000 | 39,875,000 | 40,002,000 | 38,507,000 |
| Risk-weighted assets | 269,306,000 | 267,290,000 | 269,469,000 | 277,221,000 |
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