Call reports 2005
PEOPLES BANK & TRUST — 2005
What PEOPLES BANK & TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 365,374,000 | 379,439,000 | 369,365,000 | 384,427,000 |
| Total loans | 263,824,000 | 266,609,000 | 268,368,000 | 288,902,000 |
| Allowance for loan losses | 2,643,000 | 2,783,000 | 2,847,000 | 2,997,000 |
| Securities available for sale | 58,430,000 | 64,216,000 | 64,690,000 | 63,479,000 |
| Securities held to maturity | 50,000 | 42,000 | 37,000 | 32,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 328,983,000 | 341,745,000 | 332,856,000 | 342,011,000 |
| Interest-bearing deposits | 283,560,000 | 295,240,000 | 284,751,000 | 296,599,000 |
| Noninterest-bearing deposits | 45,423,000 | 46,505,000 | 48,105,000 | 45,412,000 |
| Equity capital | 28,342,000 | 29,048,000 | 30,064,000 | 30,170,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,077,000 | 10,567,000 | 16,412,000 | 22,629,000 |
| Interest expense | 1,762,000 | 3,751,000 | 5,932,000 | 8,266,000 |
| Net interest income | 3,315,000 | 6,816,000 | 10,480,000 | 14,363,000 |
| Noninterest income | 539,000 | 1,073,000 | 1,565,000 | 2,072,000 |
| Noninterest expense | 2,362,000 | 4,768,000 | 7,179,000 | 9,897,000 |
| Provision for loan losses | 120,000 | 250,000 | 360,000 | 575,000 |
| Pretax income | 1,372,000 | 2,871,000 | 4,506,000 | 5,963,000 |
| Income tax | 422,000 | 862,000 | 1,361,000 | 1,840,000 |
| Net income | 950,000 | 2,009,000 | 3,145,000 | 4,123,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,516,000 | 29,087,000 | 30,223,000 | 30,713,000 |
| Total capital | 31,159,000 | 31,870,000 | 33,070,000 | 33,710,000 |
| Risk-weighted assets | 285,916,000 | 291,507,000 | 290,467,000 | 311,951,000 |