Call reports 2015
PEOPLES TRUST AND SAVINGS BANK — 2015
What PEOPLES TRUST AND SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 29,765,000 | 32,787,000 | 29,670,000 | 29,572,000 |
| Total loans | 15,090,000 | 15,815,000 | 15,785,000 | 15,547,000 |
| Allowance for loan losses | 127,000 | 137,000 | 142,000 | 147,000 |
| Securities available for sale | 11,105,000 | 10,890,000 | 10,576,000 | 9,301,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,049,000 | 30,324,000 | 26,972,000 | 27,086,000 |
| Interest-bearing deposits | 18,632,000 | 20,408,000 | 19,043,000 | 15,011,000 |
| Noninterest-bearing deposits | 6,417,000 | 9,916,000 | 7,929,000 | 12,075,000 |
| Equity capital | 2,246,000 | 2,307,000 | 2,286,000 | 2,326,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 293,000 | 603,000 | 818,000 | 1,167,000 |
| Interest expense | 38,000 | 79,000 | 124,000 | 167,000 |
| Net interest income | 255,000 | 524,000 | 694,000 | 1,000,000 |
| Noninterest income | 32,000 | 59,000 | 178,000 | 141,000 |
| Noninterest expense | 164,000 | 353,000 | 497,000 | 680,000 |
| Provision for loan losses | 10,000 | 20,000 | 25,000 | 30,000 |
| Pretax income | 113,000 | 210,000 | 350,000 | 431,000 |
| Income tax | 13,000 | 61,000 | 100,000 | 128,000 |
| Net income | 100,000 | 149,000 | 250,000 | 303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,143,000 | 2,183,000 | 2,158,000 | 2,259,000 |
| Total capital | 2,270,000 | 2,320,000 | 2,300,000 | 2,406,000 |
| Risk-weighted assets | 19,322,000 | 22,738,000 | 19,165,000 | 19,604,000 |