Call reports 2015
PEOPLES SECURITY BANK AND TRUST COMPANY — 2015
What PEOPLES SECURITY BANK AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,708,424,000 | 1,743,093,000 | 1,762,170,000 | 1,812,910,000 |
| Total loans | 1,240,276,000 | 1,234,429,000 | 1,273,984,000 | 1,340,865,000 |
| Allowance for loan losses | 10,803,000 | 11,428,000 | 12,043,000 | 12,975,000 |
| Securities available for sale | 280,301,000 | 318,789,000 | 299,832,000 | 284,935,000 |
| Securities held to maturity | 14,171,000 | 13,626,000 | 13,107,000 | 12,109,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,416,366,000 | 1,424,789,000 | 1,444,651,000 | 1,455,811,000 |
| Interest-bearing deposits | 1,111,242,000 | 1,127,944,000 | 1,140,909,000 | 1,134,832,000 |
| Noninterest-bearing deposits | 305,124,000 | 296,845,000 | 303,742,000 | 320,979,000 |
| Equity capital | 242,912,000 | 243,984,000 | 245,679,000 | 242,765,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 15,739,000 | 31,399,000 | 47,012,000 | 63,207,000 |
| Interest expense | 1,535,000 | 2,984,000 | 4,468,000 | 6,036,000 |
| Net interest income | 14,204,000 | 28,415,000 | 42,544,000 | 57,171,000 |
| Noninterest income | 3,389,000 | 6,919,000 | 10,803,000 | 14,258,000 |
| Noninterest expense | 11,063,000 | 22,431,000 | 34,110,000 | 46,473,000 |
| Provision for loan losses | 750,000 | 1,500,000 | 2,400,000 | 3,700,000 |
| Pretax income | 6,612,000 | 12,235,000 | 17,816,000 | 22,445,000 |
| Income tax | 1,542,000 | 2,670,000 | 3,814,000 | 4,591,000 |
| Net income | 5,070,000 | 9,565,000 | 14,002,000 | 17,854,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 178,627,000 | 180,884,000 | 182,255,000 | 179,362,000 |
| Total capital | 189,430,000 | 192,312,000 | 194,298,000 | 192,337,000 |
| Risk-weighted assets | 1,211,157,000 | 1,267,159,000 | 1,309,079,000 | 1,368,517,000 |