Call reports 2007
PEOPLES TRUST AND SAVINGS BANK — 2007
What PEOPLES TRUST AND SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 98,181,000 | 96,301,000 | 101,751,000 | 107,568,000 |
| Total loans | 58,435,000 | 58,269,000 | 60,537,000 | 66,219,000 |
| Allowance for loan losses | 509,000 | 517,000 | 503,000 | 496,000 |
| Securities available for sale | 24,355,000 | 25,805,000 | 25,156,000 | 28,782,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,405,000 | 73,789,000 | 76,961,000 | 78,350,000 |
| Interest-bearing deposits | 67,543,000 | 66,566,000 | 70,083,000 | 70,984,000 |
| Noninterest-bearing deposits | 6,862,000 | 7,223,000 | 6,878,000 | 7,366,000 |
| Equity capital | 22,416,000 | 22,183,000 | 22,462,000 | 22,820,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,338,000 | 2,705,000 | 4,100,000 | 5,598,000 |
| Interest expense | 533,000 | 1,078,000 | 1,647,000 | 2,264,000 |
| Net interest income | 805,000 | 1,627,000 | 2,453,000 | 3,334,000 |
| Noninterest income | 238,000 | 514,000 | 775,000 | 1,062,000 |
| Noninterest expense | 851,000 | 1,801,000 | 2,770,000 | 3,822,000 |
| Provision for loan losses | 18,000 | 46,000 | 102,000 | 93,000 |
| Pretax income | 155,000 | 261,000 | 323,000 | 448,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 155,000 | 261,000 | 323,000 | 448,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,269,000 | 22,313,000 | 22,380,000 | 22,502,000 |
| Total capital | 22,778,000 | 22,830,000 | 22,883,000 | 22,998,000 |
| Risk-weighted assets | 60,397,000 | 61,466,000 | 64,182,000 | 67,124,000 |