Call reports 2004
PEOPLES TRUST AND SAVINGS BANK — 2004
What PEOPLES TRUST AND SAVINGS BANK 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 | 99,577,000 | 100,480,000 | 101,606,000 | 97,483,000 |
| Total loans | 44,386,000 | 48,236,000 | 50,914,000 | 49,966,000 |
| Allowance for loan losses | 253,000 | 261,000 | 272,000 | 264,000 |
| Securities available for sale | 31,507,000 | 28,731,000 | 28,010,000 | 30,341,000 |
| Securities held to maturity | 2,661,000 | 2,451,000 | 1,880,000 | 1,767,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,281,000 | 75,843,000 | 76,924,000 | 73,118,000 |
| Interest-bearing deposits | 67,125,000 | 67,271,000 | 67,946,000 | 65,467,000 |
| Noninterest-bearing deposits | 7,156,000 | 8,572,000 | 8,978,000 | 7,651,000 |
| Equity capital | 23,841,000 | 23,055,000 | 23,385,000 | 23,297,000 |
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 | 970,000 | 1,978,000 | 3,013,000 | 4,069,000 |
| Interest expense | 360,000 | 703,000 | 1,062,000 | 1,413,000 |
| Net interest income | 610,000 | 1,275,000 | 1,951,000 | 2,656,000 |
| Noninterest income | 317,000 | 585,000 | 872,000 | 1,095,000 |
| Noninterest expense | 965,000 | 1,942,000 | 2,899,000 | 3,760,000 |
| Provision for loan losses | 6,000 | 12,000 | 12,000 | 16,000 |
| Pretax income | -35,000 | -84,000 | -78,000 | -15,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -35,000 | -84,000 | -78,000 | -15,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,030,000 | 22,953,000 | 22,980,000 | 23,067,000 |
| Total capital | 23,283,000 | 23,214,000 | 23,252,000 | 23,331,000 |
| Risk-weighted assets | 52,417,000 | 54,764,000 | 56,449,000 | 53,922,000 |