Call reports 2005
PEOPLES TRUST AND SAVINGS BANK — 2005
What PEOPLES TRUST AND SAVINGS BANK 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 | 15,985,000 | 22,167,000 | 40,434,000 | 17,348,000 |
| Total loans | 5,935,000 | 6,450,000 | 6,611,000 | 6,916,000 |
| Allowance for loan losses | 77,000 | 77,000 | 76,000 | 76,000 |
| Securities available for sale | 8,582,000 | 8,630,000 | 8,898,000 | 9,288,000 |
| Securities held to maturity | 475,000 | 315,000 | 290,000 | 290,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,575,000 | 20,262,000 | 38,544,000 | 14,149,000 |
| Interest-bearing deposits | 11,760,000 | 18,195,000 | 34,655,000 | 11,975,000 |
| Noninterest-bearing deposits | 1,815,000 | 2,067,000 | 3,888,000 | 2,174,000 |
| Equity capital | 1,660,000 | 1,808,000 | 1,778,000 | 1,777,000 |
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 | 215,000 | 447,000 | 722,000 | 1,002,000 |
| Interest expense | 55,000 | 111,000 | 179,000 | 256,000 |
| Net interest income | 160,000 | 336,000 | 543,000 | 746,000 |
| Noninterest income | 27,000 | 51,000 | 80,000 | 102,000 |
| Noninterest expense | 102,000 | 202,000 | 301,000 | 435,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 90,000 | 203,000 | 340,000 | 431,000 |
| Income tax | 22,000 | 51,000 | 101,000 | 127,000 |
| Net income | 68,000 | 152,000 | 239,000 | 304,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,681,000 | 1,765,000 | 1,753,000 | 1,735,000 |
| Total capital | 1,758,000 | 1,842,000 | 1,829,000 | 1,811,000 |
| Risk-weighted assets | 8,470,000 | 9,596,000 | 12,968,000 | 8,690,000 |