Call reports 2008
PEOPLES TRUST AND SAVINGS BANK — 2008
What PEOPLES TRUST AND SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 115,062,000 | 113,176,000 | 115,471,000 | 118,525,000 |
| Total loans | 68,447,000 | 69,593,000 | 71,991,000 | 74,466,000 |
| Allowance for loan losses | 446,000 | 430,000 | 425,000 | 485,000 |
| Securities available for sale | 31,158,000 | 27,886,000 | 29,376,000 | 33,121,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,347,000 | 83,803,000 | 86,244,000 | 88,974,000 |
| Interest-bearing deposits | 78,321,000 | 75,611,000 | 78,924,000 | 81,733,000 |
| Noninterest-bearing deposits | 7,026,000 | 8,192,000 | 7,320,000 | 7,241,000 |
| Equity capital | 23,223,000 | 22,866,000 | 22,826,000 | 23,195,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,534,000 | 3,050,000 | 4,597,000 | 6,209,000 |
| Interest expense | 632,000 | 1,182,000 | 1,734,000 | 2,301,000 |
| Net interest income | 902,000 | 1,868,000 | 2,863,000 | 3,908,000 |
| Noninterest income | 257,000 | 444,000 | 720,000 | 993,000 |
| Noninterest expense | 947,000 | 1,912,000 | 2,876,000 | 4,008,000 |
| Provision for loan losses | -47,000 | -65,000 | -47,000 | 21,000 |
| Pretax income | 260,000 | 468,000 | 757,000 | 875,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 260,000 | 468,000 | 757,000 | 875,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,719,000 | 22,787,000 | 22,944,000 | 23,082,000 |
| Total capital | 23,165,000 | 23,217,000 | 23,369,000 | 23,567,000 |
| Risk-weighted assets | 68,974,000 | 67,834,000 | 72,191,000 | 86,355,000 |