Call reports 2008
PEOPLES SECURITY BANK AND TRUST COMPANY — 2008
What PEOPLES SECURITY 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 | 435,348,000 | 440,776,000 | 458,351,000 | 469,310,000 |
| Total loans | 295,130,000 | 298,093,000 | 300,811,000 | 316,726,000 |
| Allowance for loan losses | 2,469,000 | 2,602,000 | 2,738,000 | 3,002,000 |
| Securities available for sale | 105,302,000 | 106,180,000 | 100,037,000 | 105,488,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 331,344,000 | 339,023,000 | 364,256,000 | 371,463,000 |
| Interest-bearing deposits | 315,312,000 | 316,524,000 | 341,352,000 | 352,417,000 |
| Noninterest-bearing deposits | 16,032,000 | 22,499,000 | 22,904,000 | 19,046,000 |
| Equity capital | 32,654,000 | 32,487,000 | 27,888,000 | 30,231,000 |
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 | 6,433,000 | 12,830,000 | 19,209,000 | 25,689,000 |
| Interest expense | 2,535,000 | 4,781,000 | 6,971,000 | 9,446,000 |
| Net interest income | 3,898,000 | 8,049,000 | 12,238,000 | 16,243,000 |
| Noninterest income | 693,000 | 1,425,000 | 2,170,000 | 2,972,000 |
| Noninterest expense | 2,633,000 | 5,146,000 | 7,854,000 | 10,540,000 |
| Provision for loan losses | 120,000 | 255,000 | 420,000 | 713,000 |
| Pretax income | 1,878,000 | 4,103,000 | 1,302,000 | 3,236,000 |
| Income tax | 446,000 | 921,000 | -270,000 | 130,000 |
| Net income | 1,432,000 | 3,182,000 | 1,572,000 | 3,106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,562,000 | 39,802,000 | 38,434,000 | 39,400,000 |
| Total capital | 41,031,000 | 42,404,000 | 41,172,000 | 42,402,000 |
| Risk-weighted assets | 332,584,000 | 334,045,000 | 339,599,000 | 353,260,000 |
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