Call reports 2006
PEOPLES TRUST AND SAVINGS BANK — 2006
What PEOPLES TRUST AND SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 17,554,000 | 17,565,000 | 22,877,000 | 21,877,000 |
| Total loans | 7,012,000 | 7,370,000 | 7,213,000 | 7,233,000 |
| Allowance for loan losses | 76,000 | 60,000 | 67,000 | 82,000 |
| Securities available for sale | 9,225,000 | 8,770,000 | 9,069,000 | 9,320,000 |
| Securities held to maturity | 290,000 | 200,000 | 200,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,182,000 | 15,837,000 | 20,996,000 | 19,889,000 |
| Interest-bearing deposits | 11,740,000 | 13,277,000 | 12,378,000 | 15,504,000 |
| Noninterest-bearing deposits | 2,442,000 | 2,560,000 | 8,618,000 | 4,385,000 |
| Equity capital | 1,709,000 | 1,684,000 | 1,793,000 | 1,885,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 239,000 | 480,000 | 746,000 | 1,089,000 |
| Interest expense | 81,000 | 161,000 | 247,000 | 345,000 |
| Net interest income | 158,000 | 319,000 | 499,000 | 744,000 |
| Noninterest income | 26,000 | 50,000 | 80,000 | 108,000 |
| Noninterest expense | 109,000 | 209,000 | 317,000 | 462,000 |
| Provision for loan losses | 0 | 0 | 0 | 15,000 |
| Pretax income | 77,000 | 162,000 | 264,000 | 449,000 |
| Income tax | 20,000 | 44,000 | 74,000 | 135,000 |
| Net income | 57,000 | 118,000 | 190,000 | 314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,643,000 | 1,836,000 | 1,808,000 | 1,932,000 |
| Total capital | 1,719,000 | 1,896,000 | 1,875,000 | 2,014,000 |
| Risk-weighted assets | 8,954,000 | 9,137,000 | 9,992,000 | 9,911,000 |