Call reports 2005
PEOPLES BANK & TRUST — 2005
What PEOPLES BANK & TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 119,981,000 | 122,104,000 | 135,416,000 | 145,453,000 |
| Total loans | 90,825,000 | 97,208,000 | 106,876,000 | 107,748,000 |
| Allowance for loan losses | 1,143,000 | 1,181,000 | 1,210,000 | 1,246,000 |
| Securities available for sale | 19,306,000 | 13,507,000 | 16,453,000 | 16,386,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,342,000 | 107,316,000 | 118,923,000 | 126,308,000 |
| Interest-bearing deposits | 87,759,000 | 90,312,000 | 102,678,000 | 105,255,000 |
| Noninterest-bearing deposits | 17,583,000 | 17,004,000 | 16,245,000 | 21,054,000 |
| Equity capital | 9,828,000 | 9,859,000 | 10,418,000 | 10,442,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,656,000 | 3,426,000 | 5,334,000 | 7,359,000 |
| Interest expense | 486,000 | 1,003,000 | 1,618,000 | 2,323,000 |
| Net interest income | 1,170,000 | 2,423,000 | 3,716,000 | 5,036,000 |
| Noninterest income | 241,000 | 502,000 | 781,000 | 1,027,000 |
| Noninterest expense | 1,129,000 | 2,236,000 | 3,404,000 | 4,662,000 |
| Provision for loan losses | 220,000 | 280,000 | 332,000 | 515,000 |
| Pretax income | 62,000 | 349,000 | 701,000 | 825,000 |
| Income tax | 2,000 | 89,000 | 195,000 | 225,000 |
| Net income | 60,000 | 260,000 | 506,000 | 600,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,823,000 | 9,784,000 | 10,362,000 | 10,472,000 |
| Total capital | 10,966,000 | 10,965,000 | 11,572,000 | 11,718,000 |
| Risk-weighted assets | 97,359,000 | 102,673,000 | 110,474,000 | 114,810,000 |