Call reports 2003
PEOPLES BANK & TRUST COMPANY — 2003
What PEOPLES BANK & TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 57,963,000 | 57,542,000 | 57,839,000 | 57,970,000 |
| Total loans | 23,671,000 | 22,917,000 | 24,063,000 | 26,083,000 |
| Allowance for loan losses | 317,000 | 326,000 | 324,000 | 296,000 |
| Securities available for sale | 24,846,000 | 25,525,000 | 25,431,000 | 25,395,000 |
| Securities held to maturity | 1,629,000 | 1,563,000 | 1,559,000 | 1,556,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,085,000 | 49,554,000 | 50,208,000 | 50,195,000 |
| Interest-bearing deposits | 40,701,000 | 39,764,000 | 40,652,000 | 39,447,000 |
| Noninterest-bearing deposits | 9,384,000 | 9,790,000 | 9,556,000 | 10,748,000 |
| Equity capital | 6,156,000 | 6,248,000 | 6,017,000 | 6,124,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 729,000 | 1,414,000 | 2,097,000 | 2,734,000 |
| Interest expense | 177,000 | 342,000 | 490,000 | 625,000 |
| Net interest income | 552,000 | 1,072,000 | 1,607,000 | 2,109,000 |
| Noninterest income | 84,000 | 175,000 | 248,000 | 396,000 |
| Noninterest expense | 478,000 | 958,000 | 1,440,000 | 1,918,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 0 |
| Pretax income | 149,000 | 273,000 | 390,000 | 589,000 |
| Income tax | 33,000 | 56,000 | 68,000 | 70,000 |
| Net income | 116,000 | 217,000 | 322,000 | 519,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,315,000 | 5,351,000 | 5,459,000 | 5,524,000 |
| Total capital | 5,632,000 | 5,677,000 | 5,783,000 | 5,820,000 |
| Risk-weighted assets | 37,888,000 | 38,567,000 | 39,696,000 | 41,012,000 |