Call reports 2009
PEOPLES SECURITY BANK AND TRUST COMPANY — 2009
What PEOPLES SECURITY BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 457,778,000 | 461,351,000 | 470,751,000 | 514,536,000 |
| Total loans | 319,246,000 | 318,811,000 | 325,187,000 | 336,588,000 |
| Allowance for loan losses | 3,129,000 | 2,928,000 | 2,984,000 | 3,336,000 |
| Securities available for sale | 97,555,000 | 99,285,000 | 99,723,000 | 129,424,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 360,214,000 | 360,629,000 | 366,641,000 | 410,491,000 |
| Interest-bearing deposits | 340,018,000 | 338,003,000 | 346,084,000 | 385,551,000 |
| Noninterest-bearing deposits | 20,196,000 | 22,626,000 | 20,557,000 | 24,940,000 |
| Equity capital | 30,323,000 | 31,687,000 | 35,555,000 | 35,276,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,220,000 | 12,409,000 | 18,426,000 | 24,475,000 |
| Interest expense | 2,191,000 | 3,943,000 | 5,655,000 | 7,418,000 |
| Net interest income | 4,029,000 | 8,466,000 | 12,771,000 | 17,057,000 |
| Noninterest income | 691,000 | 1,579,000 | 2,316,000 | 3,185,000 |
| Noninterest expense | 2,860,000 | 6,037,000 | 8,974,000 | 11,919,000 |
| Provision for loan losses | 165,000 | 1,205,000 | 1,370,000 | 1,735,000 |
| Pretax income | 1,874,000 | 3,074,000 | 3,854,000 | 5,833,000 |
| Income tax | 356,000 | 501,000 | 476,000 | 914,000 |
| Net income | 1,515,000 | 2,567,000 | 3,367,000 | 4,906,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,387,000 | 40,920,000 | 41,213,000 | 42,221,000 |
| Total capital | 43,516,000 | 43,848,000 | 44,230,000 | 45,560,000 |
| Risk-weighted assets | 354,170,000 | 356,061,000 | 358,137,000 | 377,531,000 |
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