Call reports 2013
PEOPLES SECURITY BANK AND TRUST COMPANY — 2013
What PEOPLES SECURITY BANK AND TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 678,388,000 | 689,687,000 | 715,848,000 | 1,689,512,000 |
| Total loans | 480,040,000 | 493,281,000 | 508,725,000 | 1,178,375,000 |
| Allowance for loan losses | 6,635,000 | 6,735,000 | 6,835,000 | 8,651,000 |
| Securities available for sale | 146,180,000 | 138,234,000 | 154,465,000 | 298,617,000 |
| Securities held to maturity | 0 | 0 | 0 | 17,296,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 582,594,000 | 597,003,000 | 621,912,000 | 1,379,662,000 |
| Interest-bearing deposits | 476,045,000 | 484,835,000 | 504,630,000 | 1,098,957,000 |
| Noninterest-bearing deposits | 106,549,000 | 112,168,000 | 117,282,000 | 280,705,000 |
| Equity capital | 65,079,000 | 64,824,000 | 66,087,000 | 232,430,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 6,940,000 | 14,251,000 | 21,629,000 | 37,304,000 |
| Interest expense | 1,090,000 | 2,148,000 | 3,248,000 | 4,169,000 |
| Net interest income | 5,850,000 | 12,103,000 | 18,381,000 | 33,135,000 |
| Noninterest income | 1,096,000 | 2,092,000 | 3,114,000 | 11,916,000 |
| Noninterest expense | 3,844,000 | 7,881,000 | 12,275,000 | 35,267,000 |
| Provision for loan losses | 165,000 | 330,000 | 495,000 | 2,361,000 |
| Pretax income | 2,937,000 | 5,983,000 | 8,724,000 | 7,483,000 |
| Income tax | 640,000 | 1,355,000 | 1,760,000 | 473,000 |
| Net income | 2,297,000 | 4,628,000 | 6,964,000 | 5,660,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,638,000 | 61,285,000 | 62,938,000 | 157,758,000 |
| Total capital | 66,078,000 | 67,895,000 | 69,773,000 | 165,836,000 |
| Risk-weighted assets | 515,030,000 | 528,670,000 | 547,200,000 | 1,204,796,000 |
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