Call reports 2014
PEOPLES TRUST AND SAVINGS BANK — 2014
What PEOPLES TRUST AND SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 26,787,000 | 28,977,000 | 29,233,000 | 29,362,000 |
| Total loans | 10,772,000 | 12,894,000 | 13,515,000 | 14,830,000 |
| Allowance for loan losses | 87,000 | 92,000 | 102,000 | 117,000 |
| Securities available for sale | 11,267,000 | 11,356,000 | 11,179,000 | 11,123,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,976,000 | 24,248,000 | 22,833,000 | 24,094,000 |
| Interest-bearing deposits | 16,668,000 | 17,236,000 | 17,036,000 | 18,177,000 |
| Noninterest-bearing deposits | 6,308,000 | 7,012,000 | 5,797,000 | 5,917,000 |
| Equity capital | 2,072,000 | 2,107,000 | 2,222,000 | 2,268,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 243,000 | 503,000 | 765,000 | 1,065,000 |
| Interest expense | 31,000 | 64,000 | 100,000 | 140,000 |
| Net interest income | 212,000 | 439,000 | 665,000 | 925,000 |
| Noninterest income | 25,000 | 43,000 | 71,000 | 100,000 |
| Noninterest expense | 122,000 | 248,000 | 401,000 | 564,000 |
| Provision for loan losses | 10,000 | 15,000 | 25,000 | 40,000 |
| Pretax income | 105,000 | 219,000 | 310,000 | 421,000 |
| Income tax | 26,000 | 59,000 | 84,000 | 115,000 |
| Net income | 71,000 | 152,000 | 218,000 | 298,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,085,000 | 2,159,000 | 2,126,000 | 2,206,000 |
| Total capital | 2,172,000 | 2,251,000 | 2,228,000 | 2,323,000 |
| Risk-weighted assets | 12,187,000 | 14,202,000 | 14,661,000 | 15,433,000 |