Call reports 2006
PEOPLES TRUST AND SAVINGS BANK — 2006
What PEOPLES TRUST AND SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 105,709,000 | 101,239,000 | 99,509,000 | 98,482,000 |
| Total loans | 59,750,000 | 59,560,000 | 58,742,000 | 57,619,000 |
| Allowance for loan losses | 735,000 | 485,000 | 479,000 | 467,000 |
| Securities available for sale | 28,191,000 | 23,929,000 | 26,632,000 | 24,100,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,173,000 | 78,391,000 | 76,106,000 | 74,903,000 |
| Interest-bearing deposits | 70,640,000 | 69,912,000 | 68,162,000 | 67,390,000 |
| Noninterest-bearing deposits | 8,533,000 | 8,479,000 | 7,944,000 | 7,513,000 |
| Equity capital | 21,739,000 | 21,574,000 | 22,092,000 | 22,271,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,297,000 | 2,550,000 | 3,873,000 | 5,200,000 |
| Interest expense | 522,000 | 1,053,000 | 1,597,000 | 2,133,000 |
| Net interest income | 775,000 | 1,497,000 | 2,276,000 | 3,067,000 |
| Noninterest income | 314,000 | 604,000 | 938,000 | 1,212,000 |
| Noninterest expense | 883,000 | 1,880,000 | 2,780,000 | 3,678,000 |
| Provision for loan losses | 366,000 | 472,000 | 516,000 | 551,000 |
| Pretax income | -160,000 | -251,000 | -82,000 | 50,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -160,000 | -251,000 | -82,000 | 50,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,013,000 | 21,943,000 | 22,076,000 | 22,194,000 |
| Total capital | 22,748,000 | 22,428,000 | 22,555,000 | 22,661,000 |
| Risk-weighted assets | 61,848,000 | 66,427,000 | 73,842,000 | 58,656,000 |