Call reports 2005
PEOPLES TRUST AND SAVINGS BANK — 2005
What PEOPLES TRUST AND SAVINGS BANK 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 | 98,845,000 | 102,907,000 | 102,795,000 | 105,419,000 |
| Total loans | 55,803,000 | 59,002,000 | 61,946,000 | 61,501,000 |
| Allowance for loan losses | 306,000 | 380,000 | 537,000 | 555,000 |
| Securities available for sale | 28,187,000 | 27,570,000 | 25,744,000 | 26,504,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,675,000 | 74,977,000 | 75,858,000 | 78,682,000 |
| Interest-bearing deposits | 66,275,000 | 66,813,000 | 67,268,000 | 70,193,000 |
| Noninterest-bearing deposits | 8,400,000 | 8,164,000 | 8,590,000 | 8,488,000 |
| Equity capital | 23,050,000 | 22,382,000 | 22,170,000 | 21,997,000 |
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 | 1,088,000 | 2,281,000 | 3,531,000 | 4,819,000 |
| Interest expense | 354,000 | 750,000 | 1,212,000 | 1,716,000 |
| Net interest income | 734,000 | 1,531,000 | 2,319,000 | 3,103,000 |
| Noninterest income | 306,000 | 570,000 | 918,000 | 1,176,000 |
| Noninterest expense | 846,000 | 1,812,000 | 2,742,000 | 3,706,000 |
| Provision for loan losses | 43,000 | 143,000 | 296,000 | 474,000 |
| Pretax income | 151,000 | 146,000 | 199,000 | 99,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 151,000 | 146,000 | 199,000 | 99,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,137,000 | 22,287,000 | 22,232,000 | 20,976,000 |
| Total capital | 23,443,000 | 22,667,000 | 22,769,000 | 21,531,000 |
| Risk-weighted assets | 56,733,000 | 60,934,000 | 62,200,000 | 63,318,000 |