Call reports 2008
PEOPLES BANK & TRUST — 2008
What PEOPLES BANK & TRUST reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 475,842,000 | 456,001,000 | 443,290,000 | 446,482,000 |
| Total loans | 338,292,000 | 339,324,000 | 332,512,000 | 320,965,000 |
| Allowance for loan losses | 3,911,000 | 3,831,000 | 4,500,000 | 5,808,000 |
| Securities available for sale | 75,296,000 | 75,889,000 | 73,433,000 | 62,767,000 |
| Securities held to maturity | 5,000 | 3,000 | 1,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 421,125,000 | 402,205,000 | 390,565,000 | 395,734,000 |
| Interest-bearing deposits | 386,054,000 | 361,676,000 | 355,867,000 | 368,113,000 |
| Noninterest-bearing deposits | 35,071,000 | 40,529,000 | 34,698,000 | 27,621,000 |
| Equity capital | 39,518,000 | 38,524,000 | 38,695,000 | 37,041,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,270,000 | 14,030,000 | 20,069,000 | 25,566,000 |
| Interest expense | 3,958,000 | 7,447,000 | 10,649,000 | 13,965,000 |
| Net interest income | 3,312,000 | 6,583,000 | 9,420,000 | 11,601,000 |
| Noninterest income | 589,000 | 995,000 | 1,533,000 | 2,054,000 |
| Noninterest expense | 2,764,000 | 5,504,000 | 8,154,000 | 11,007,000 |
| Provision for loan losses | 82,000 | 335,000 | 1,393,000 | 4,974,000 |
| Pretax income | 1,055,000 | 1,739,000 | 1,406,000 | -2,326,000 |
| Income tax | 312,000 | 484,000 | 468,000 | -1,244,000 |
| Net income | 743,000 | 1,255,000 | 938,000 | -1,082,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,620,000 | 38,520,000 | 38,203,000 | 36,183,000 |
| Total capital | 42,531,000 | 42,351,000 | 42,610,000 | 40,692,000 |
| Risk-weighted assets | 370,785,000 | 366,339,000 | 352,468,000 | 359,427,000 |