Call reports 2003
PEOPLES TRUST AND SAVINGS BANK — 2003
What PEOPLES TRUST AND SAVINGS BANK 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 | 96,873,000 | 98,541,000 | 97,730,000 | 96,351,000 |
| Total loans | 48,586,000 | 44,512,000 | 44,020,000 | 44,322,000 |
| Allowance for loan losses | 307,000 | 281,000 | 272,000 | 246,000 |
| Securities available for sale | 26,064,000 | 29,215,000 | 32,209,000 | 30,623,000 |
| Securities held to maturity | 3,839,000 | 3,492,000 | 3,151,000 | 2,870,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,530,000 | 72,968,000 | 72,284,000 | 71,131,000 |
| Interest-bearing deposits | 64,136,000 | 64,208,000 | 64,520,000 | 64,666,000 |
| Noninterest-bearing deposits | 7,394,000 | 8,760,000 | 7,764,000 | 6,465,000 |
| Equity capital | 24,956,000 | 25,132,000 | 25,023,000 | 24,731,000 |
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 | 1,226,000 | 2,370,000 | 3,445,000 | 4,483,000 |
| Interest expense | 432,000 | 824,000 | 1,207,000 | 1,582,000 |
| Net interest income | 794,000 | 1,546,000 | 2,238,000 | 2,901,000 |
| Noninterest income | 286,000 | 728,000 | 962,000 | 1,166,000 |
| Noninterest expense | 846,000 | 1,758,000 | 2,519,000 | 3,470,000 |
| Provision for loan losses | 0 | 0 | 3,000 | 6,000 |
| Pretax income | 240,000 | 516,000 | 720,000 | 633,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 240,000 | 516,000 | 720,000 | 633,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,208,000 | 24,415,000 | 24,541,000 | 24,044,000 |
| Total capital | 24,515,000 | 24,696,000 | 24,813,000 | 24,290,000 |
| Risk-weighted assets | 53,119,000 | 51,214,000 | 50,758,000 | 50,744,000 |