Call reports 2004
PEOPLES TRUST AND SAVINGS BANK — 2004
What PEOPLES TRUST AND SAVINGS BANK 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 | 15,259,000 | 15,222,000 | 15,989,000 | 16,338,000 |
| Total loans | 5,974,000 | 5,942,000 | 5,678,000 | 6,150,000 |
| Allowance for loan losses | 77,000 | 77,000 | 77,000 | 77,000 |
| Securities available for sale | 7,513,000 | 7,482,000 | 7,822,000 | 8,871,000 |
| Securities held to maturity | 575,000 | 575,000 | 525,000 | 475,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,219,000 | 13,339,000 | 14,010,000 | 13,593,000 |
| Interest-bearing deposits | 11,647,000 | 11,758,000 | 11,930,000 | 11,685,000 |
| Noninterest-bearing deposits | 1,572,000 | 1,581,000 | 2,080,000 | 1,908,000 |
| Equity capital | 1,827,000 | 1,776,000 | 1,826,000 | 1,858,000 |
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 | 209,000 | 420,000 | 619,000 | 827,000 |
| Interest expense | 50,000 | 98,000 | 146,000 | 197,000 |
| Net interest income | 159,000 | 322,000 | 473,000 | 630,000 |
| Noninterest income | 30,000 | 57,000 | 86,000 | 108,000 |
| Noninterest expense | 96,000 | 188,000 | 287,000 | 414,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 99,000 | 226,000 | 330,000 | 382,000 |
| Income tax | 30,000 | 62,000 | 100,000 | 111,000 |
| Net income | 69,000 | 164,000 | 230,000 | 271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,610,000 | 1,705,000 | 1,673,000 | 1,713,000 |
| Total capital | 1,687,000 | 1,782,000 | 1,750,000 | 1,790,000 |
| Risk-weighted assets | 8,308,000 | 8,109,000 | 8,690,000 | 8,397,000 |