Call reports 2003
PEOPLES BANK & TRUST — 2003
What PEOPLES BANK & TRUST reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 308,880,000 | 302,951,000 | 299,904,000 | 302,919,000 |
| Total loans | 201,299,000 | 204,721,000 | 202,625,000 | 213,996,000 |
| Allowance for loan losses | 2,049,000 | 1,872,000 | 1,974,000 | 2,096,000 |
| Securities available for sale | 52,861,000 | 57,964,000 | 62,973,000 | 58,298,000 |
| Securities held to maturity | 241,000 | 184,000 | 133,000 | 114,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 281,582,000 | 275,043,000 | 271,941,000 | 274,016,000 |
| Interest-bearing deposits | 240,760,000 | 238,706,000 | 236,501,000 | 236,544,000 |
| Noninterest-bearing deposits | 40,822,000 | 36,337,000 | 35,440,000 | 37,472,000 |
| Equity capital | 24,647,000 | 24,929,000 | 25,174,000 | 25,679,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,359,000 | 8,697,000 | 12,857,000 | 17,135,000 |
| Interest expense | 1,597,000 | 3,096,000 | 4,521,000 | 5,873,000 |
| Net interest income | 2,762,000 | 5,601,000 | 8,336,000 | 11,262,000 |
| Noninterest income | 407,000 | 820,000 | 1,205,000 | 1,660,000 |
| Noninterest expense | 2,067,000 | 4,184,000 | 6,271,000 | 8,414,000 |
| Provision for loan losses | 110,000 | 250,000 | 340,000 | 620,000 |
| Pretax income | 992,000 | 1,987,000 | 2,930,000 | 3,888,000 |
| Income tax | 303,000 | 608,000 | 840,000 | 1,070,000 |
| Net income | 689,000 | 1,379,000 | 2,090,000 | 2,818,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,577,000 | 23,877,000 | 24,588,000 | 24,925,000 |
| Total capital | 25,626,000 | 25,749,000 | 26,562,000 | 27,021,000 |
| Risk-weighted assets | 220,271,000 | 220,328,000 | 220,786,000 | 229,716,000 |