Call reports 2016
PEOPLES SECURITY BANK AND TRUST COMPANY — 2016
What PEOPLES SECURITY BANK AND TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,856,045,000 | 1,905,145,000 | 1,965,187,000 | 1,995,179,000 |
| Total loans | 1,409,770,000 | 1,464,808,000 | 1,522,751,000 | 1,532,965,000 |
| Allowance for loan losses | 14,158,000 | 14,799,000 | 15,712,000 | 15,961,000 |
| Securities available for sale | 264,175,000 | 251,382,000 | 249,914,000 | 259,410,000 |
| Securities held to maturity | 11,681,000 | 11,262,000 | 10,864,000 | 10,517,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,479,583,000 | 1,500,800,000 | 1,569,753,000 | 1,592,705,000 |
| Interest-bearing deposits | 1,152,005,000 | 1,173,078,000 | 1,223,028,000 | 1,235,071,000 |
| Noninterest-bearing deposits | 327,578,000 | 327,722,000 | 346,725,000 | 357,634,000 |
| Equity capital | 245,466,000 | 248,571,000 | 250,683,000 | 250,869,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 16,718,000 | 33,828,000 | 51,413,000 | 69,192,000 |
| Interest expense | 1,720,000 | 3,484,000 | 5,310,000 | 7,251,000 |
| Net interest income | 14,998,000 | 30,344,000 | 46,103,000 | 61,941,000 |
| Noninterest income | 3,584,000 | 7,245,000 | 11,184,000 | 14,908,000 |
| Noninterest expense | 11,519,000 | 23,529,000 | 35,497,000 | 47,668,000 |
| Provision for loan losses | 1,200,000 | 2,400,000 | 3,600,000 | 5,000,000 |
| Pretax income | 6,104,000 | 12,283,000 | 18,813,000 | 24,804,000 |
| Income tax | 1,180,000 | 2,448,000 | 3,846,000 | 5,082,000 |
| Net income | 4,924,000 | 9,835,000 | 14,967,000 | 19,722,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 180,678,000 | 183,476,000 | 186,493,000 | 189,128,000 |
| Total capital | 194,836,000 | 198,275,000 | 202,205,000 | 205,089,000 |
| Risk-weighted assets | 1,442,731,000 | 1,499,174,000 | 1,548,736,000 | 1,558,217,000 |