Call reports 2008
PEOPLES TRUST AND SAVINGS BANK — 2008
What PEOPLES TRUST AND SAVINGS BANK 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 | 21,004,000 | 20,630,000 | 21,287,000 | 18,886,000 |
| Total loans | 6,290,000 | 6,197,000 | 6,090,000 | 6,254,000 |
| Allowance for loan losses | 82,000 | 82,000 | 82,000 | 82,000 |
| Securities available for sale | 8,343,000 | 8,540,000 | 9,954,000 | 9,687,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,067,000 | 18,745,000 | 19,656,000 | 17,372,000 |
| Interest-bearing deposits | 14,346,000 | 14,744,000 | 14,182,000 | 14,048,000 |
| Noninterest-bearing deposits | 4,721,000 | 4,002,000 | 5,474,000 | 3,324,000 |
| Equity capital | 1,867,000 | 1,834,000 | 1,585,000 | 1,467,000 |
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 | 253,000 | 502,000 | 780,000 | 1,037,000 |
| Interest expense | 111,000 | 213,000 | 308,000 | 399,000 |
| Net interest income | 142,000 | 289,000 | 472,000 | 638,000 |
| Noninterest income | 35,000 | 60,000 | 90,000 | 119,000 |
| Noninterest expense | 111,000 | 211,000 | 321,000 | 478,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 82,000 | 154,000 | 107,000 | 145,000 |
| Income tax | 19,000 | 35,000 | 6,000 | 9,000 |
| Net income | 63,000 | 119,000 | 101,000 | 136,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,933,000 | 1,990,000 | 1,872,000 | 1,906,000 |
| Total capital | 2,015,000 | 2,072,000 | 1,954,000 | 1,988,000 |
| Risk-weighted assets | 9,553,000 | 10,015,000 | 11,593,000 | 11,835,000 |