Call reports 2004
PEOPLES BANK & TRUST — 2004
What PEOPLES BANK & TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 111,675,000 | 112,449,000 | 113,492,000 | 116,321,000 |
| Total loans | 69,306,000 | 73,806,000 | 80,021,000 | 82,886,000 |
| Allowance for loan losses | 930,000 | 895,000 | 889,000 | 938,000 |
| Securities available for sale | 32,875,000 | 29,752,000 | 24,697,000 | 21,325,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,566,000 | 95,587,000 | 98,191,000 | 101,340,000 |
| Interest-bearing deposits | 83,114,000 | 82,207,000 | 84,119,000 | 85,810,000 |
| Noninterest-bearing deposits | 13,452,000 | 13,380,000 | 14,072,000 | 15,530,000 |
| Equity capital | 10,238,000 | 9,683,000 | 10,197,000 | 9,935,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,502,000 | 3,082,000 | 4,684,000 | 6,302,000 |
| Interest expense | 505,000 | 976,000 | 1,454,000 | 1,932,000 |
| Net interest income | 997,000 | 2,106,000 | 3,230,000 | 4,370,000 |
| Noninterest income | 212,000 | 453,000 | 673,000 | 906,000 |
| Noninterest expense | 1,108,000 | 2,068,000 | 3,034,000 | 4,164,000 |
| Provision for loan losses | 0 | 10,000 | 40,000 | 230,000 |
| Pretax income | 101,000 | 481,000 | 829,000 | 882,000 |
| Income tax | 25,000 | 147,000 | 253,000 | 267,000 |
| Net income | 76,000 | 334,000 | 576,000 | 615,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,781,000 | 9,700,000 | 9,953,000 | 9,728,000 |
| Total capital | 10,711,000 | 10,595,000 | 10,842,000 | 10,666,000 |
| Risk-weighted assets | 75,877,000 | 79,494,000 | 84,286,000 | 88,847,000 |