Call reports 2005
PEOPLES BANK & TRUST COMPANY — 2005
What PEOPLES BANK & TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 64,097,000 | 65,338,000 | 66,280,000 | 67,707,000 |
| Total loans | 29,908,000 | 32,891,000 | 36,279,000 | 41,524,000 |
| Allowance for loan losses | 348,000 | 358,000 | 374,000 | 385,000 |
| Securities available for sale | 24,701,000 | 24,353,000 | 22,468,000 | 20,406,000 |
| Securities held to maturity | 1,487,000 | 1,416,000 | 1,415,000 | 1,415,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,406,000 | 57,529,000 | 58,683,000 | 56,130,000 |
| Interest-bearing deposits | 44,589,000 | 45,764,000 | 46,085,000 | 44,297,000 |
| Noninterest-bearing deposits | 11,817,000 | 11,765,000 | 12,598,000 | 11,833,000 |
| Equity capital | 6,037,000 | 6,128,000 | 5,935,000 | 5,911,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 736,000 | 1,577,000 | 2,424,000 | 3,373,000 |
| Interest expense | 183,000 | 401,000 | 653,000 | 933,000 |
| Net interest income | 553,000 | 1,176,000 | 1,771,000 | 2,440,000 |
| Noninterest income | 142,000 | 215,000 | 328,000 | 423,000 |
| Noninterest expense | 514,000 | 1,023,000 | 1,535,000 | 2,078,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 166,000 | 338,000 | 500,000 | 710,000 |
| Income tax | 22,000 | 42,000 | 63,000 | 148,000 |
| Net income | 144,000 | 296,000 | 437,000 | 562,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,927,000 | 6,011,000 | 5,822,000 | 5,914,000 |
| Total capital | 6,275,000 | 6,369,000 | 6,196,000 | 6,299,000 |
| Risk-weighted assets | 45,651,000 | 47,847,000 | 50,081,000 | 54,750,000 |