Call reports 2004
PEOPLES BANK & TRUST COMPANY — 2004
What PEOPLES BANK & TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 59,724,000 | 59,091,000 | 61,177,000 | 62,902,000 |
| Total loans | 25,638,000 | 26,209,000 | 27,278,000 | 28,849,000 |
| Allowance for loan losses | 303,000 | 313,000 | 322,000 | 332,000 |
| Securities available for sale | 25,475,000 | 24,715,000 | 26,510,000 | 26,354,000 |
| Securities held to maturity | 1,553,000 | 1,488,000 | 1,487,000 | 1,487,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,713,000 | 51,570,000 | 53,418,000 | 55,151,000 |
| Interest-bearing deposits | 40,987,000 | 40,503,000 | 40,646,000 | 43,396,000 |
| Noninterest-bearing deposits | 10,726,000 | 11,067,000 | 12,772,000 | 11,755,000 |
| Equity capital | 6,341,000 | 5,879,000 | 6,126,000 | 6,091,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 682,000 | 1,356,000 | 2,053,000 | 2,786,000 |
| Interest expense | 125,000 | 251,000 | 386,000 | 540,000 |
| Net interest income | 557,000 | 1,105,000 | 1,667,000 | 2,246,000 |
| Noninterest income | 90,000 | 171,000 | 261,000 | 362,000 |
| Noninterest expense | 462,000 | 943,000 | 1,503,000 | 2,045,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 176,000 | 315,000 | 398,000 | 527,000 |
| Income tax | 27,000 | 54,000 | 67,000 | 57,000 |
| Net income | 149,000 | 261,000 | 331,000 | 470,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,601,000 | 5,632,000 | 5,694,000 | 5,779,000 |
| Total capital | 5,904,000 | 5,945,000 | 6,016,000 | 6,111,000 |
| Risk-weighted assets | 41,260,000 | 42,046,000 | 42,931,000 | 44,637,000 |