Call reports 2016
PEOPLES TRUST AND SAVINGS BANK — 2016
What PEOPLES TRUST AND SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 33,338,000 | 29,669,000 | 29,657,000 | 28,692,000 |
| Total loans | 14,801,000 | 15,017,000 | 15,276,000 | 14,370,000 |
| Allowance for loan losses | 124,000 | 215,000 | 378,000 | 342,000 |
| Securities available for sale | 8,988,000 | 10,087,000 | 10,722,000 | 11,295,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,134,000 | 27,344,000 | 27,026,000 | 25,528,000 |
| Interest-bearing deposits | 23,027,000 | 20,604,000 | 19,689,000 | 19,870,000 |
| Noninterest-bearing deposits | 8,107,000 | 6,740,000 | 7,337,000 | 5,658,000 |
| Equity capital | 2,143,000 | 2,117,000 | 2,456,000 | 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 | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 244,000 | 503,000 | 746,000 | 1,011,000 |
| Interest expense | 46,000 | 94,000 | 141,000 | 188,000 |
| Net interest income | 198,000 | 409,000 | 605,000 | 823,000 |
| Noninterest income | 25,000 | 51,000 | 72,000 | 90,000 |
| Noninterest expense | 178,000 | 373,000 | 635,000 | 812,000 |
| Provision for loan losses | 324,000 | 358,000 | 588,000 | 593,000 |
| Pretax income | -279,000 | -269,000 | -543,000 | -489,000 |
| Income tax | -93,000 | -137,000 | -240,000 | -224,000 |
| Net income | -186,000 | -132,000 | -303,000 | -265,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,000,000 | 1,913,000 | 2,311,000 | 2,344,000 |
| Total capital | 2,124,000 | 2,128,000 | 2,567,000 | 2,599,000 |
| Risk-weighted assets | 13,971,000 | 19,508,000 | 20,294,000 | 20,328,000 |