Call reports 2003
PEOPLES BANK & TRUST — 2003
What PEOPLES BANK & TRUST reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 113,883,000 | 111,824,000 | 112,026,000 | 113,583,000 |
| Total loans | 68,479,000 | 69,185,000 | 71,646,000 | 70,300,000 |
| Allowance for loan losses | 988,000 | 978,000 | 978,000 | 944,000 |
| Securities available for sale | 33,202,000 | 32,670,000 | 30,846,000 | 30,493,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,729,000 | 91,729,000 | 91,929,000 | 93,488,000 |
| Interest-bearing deposits | 81,302,000 | 79,206,000 | 79,893,000 | 81,072,000 |
| Noninterest-bearing deposits | 12,427,000 | 12,523,000 | 12,036,000 | 12,416,000 |
| Equity capital | 10,024,000 | 9,988,000 | 10,034,000 | 10,085,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,633,000 | 3,187,000 | 4,708,000 | 6,339,000 |
| Interest expense | 632,000 | 1,210,000 | 1,758,000 | 2,295,000 |
| Net interest income | 1,001,000 | 1,977,000 | 2,950,000 | 4,044,000 |
| Noninterest income | 194,000 | 403,000 | 618,000 | 836,000 |
| Noninterest expense | 878,000 | 1,788,000 | 2,740,000 | 3,668,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 317,000 | 592,000 | 828,000 | 1,209,000 |
| Income tax | 98,000 | 186,000 | 261,000 | 393,000 |
| Net income | 219,000 | 406,000 | 567,000 | 816,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,516,000 | 9,514,000 | 9,684,000 | 9,694,000 |
| Total capital | 10,407,000 | 10,421,000 | 10,617,000 | 10,619,000 |
| Risk-weighted assets | 71,213,000 | 72,456,000 | 74,564,000 | 73,906,000 |