Call reports 2003
PEOPLES TRUST AND SAVINGS BANK — 2003
What PEOPLES TRUST AND SAVINGS BANK 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 | 15,343,000 | 15,851,000 | 15,203,000 | 15,596,000 |
| Total loans | 6,390,000 | 6,261,000 | 5,747,000 | 6,097,000 |
| Allowance for loan losses | 76,000 | 76,000 | 76,000 | 77,000 |
| Securities available for sale | 5,938,000 | 7,551,000 | 7,345,000 | 7,936,000 |
| Securities held to maturity | 736,000 | 736,000 | 575,000 | 575,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,467,000 | 13,473,000 | 13,175,000 | 13,510,000 |
| Interest-bearing deposits | 12,041,000 | 12,024,000 | 11,764,000 | 11,973,000 |
| Noninterest-bearing deposits | 1,426,000 | 1,449,000 | 1,411,000 | 1,537,000 |
| Equity capital | 1,710,000 | 1,857,000 | 1,792,000 | 1,834,000 |
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 | 215,000 | 440,000 | 651,000 | 864,000 |
| Interest expense | 69,000 | 137,000 | 198,000 | 253,000 |
| Net interest income | 146,000 | 303,000 | 453,000 | 611,000 |
| Noninterest income | 33,000 | 61,000 | 98,000 | 117,000 |
| Noninterest expense | 106,000 | 202,000 | 283,000 | 413,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 73,000 | 175,000 | 281,000 | 328,000 |
| Income tax | 22,000 | 49,000 | 86,000 | 99,000 |
| Net income | 51,000 | 126,000 | 195,000 | 229,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,565,000 | 1,637,000 | 1,606,000 | 1,640,000 |
| Total capital | 1,641,000 | 1,713,000 | 1,682,000 | 1,717,000 |
| Risk-weighted assets | 9,229,000 | 8,833,000 | 9,086,000 | 8,639,000 |