Call reports 2004
PEOPLES BANK & TRUST — 2004
What PEOPLES BANK & TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 315,905,000 | 319,173,000 | 328,750,000 | 348,347,000 |
| Total loans | 224,132,000 | 237,395,000 | 253,553,000 | 250,570,000 |
| Allowance for loan losses | 2,333,000 | 2,444,000 | 2,538,000 | 2,630,000 |
| Securities available for sale | 55,240,000 | 55,267,000 | 52,783,000 | 56,675,000 |
| Securities held to maturity | 90,000 | 73,000 | 63,000 | 57,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 286,695,000 | 290,286,000 | 293,315,000 | 311,962,000 |
| Interest-bearing deposits | 248,587,000 | 250,376,000 | 253,534,000 | 271,941,000 |
| Noninterest-bearing deposits | 38,108,000 | 39,910,000 | 39,781,000 | 40,021,000 |
| Equity capital | 26,411,000 | 25,576,000 | 27,328,000 | 27,859,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,358,000 | 8,802,000 | 13,467,000 | 18,303,000 |
| Interest expense | 1,344,000 | 2,693,000 | 4,092,000 | 5,715,000 |
| Net interest income | 3,014,000 | 6,109,000 | 9,375,000 | 12,588,000 |
| Noninterest income | 447,000 | 929,000 | 1,461,000 | 1,963,000 |
| Noninterest expense | 2,175,000 | 4,372,000 | 6,585,000 | 8,839,000 |
| Provision for loan losses | 130,000 | 230,000 | 370,000 | 490,000 |
| Pretax income | 1,156,000 | 2,436,000 | 3,881,000 | 5,222,000 |
| Income tax | 352,000 | 748,000 | 1,203,000 | 1,604,000 |
| Net income | 804,000 | 1,688,000 | 2,678,000 | 3,618,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,729,000 | 26,125,000 | 27,115,000 | 27,566,000 |
| Total capital | 28,062,000 | 28,569,000 | 29,653,000 | 30,196,000 |
| Risk-weighted assets | 241,565,000 | 254,667,000 | 269,115,000 | 270,539,000 |