Call reports 2007
PEOPLES BANK & TRUST COMPANY — 2007
What PEOPLES BANK & TRUST COMPANY 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 | 79,243,000 | 75,579,000 | 76,141,000 | 73,362,000 |
| Total loans | 43,340,000 | 45,197,000 | 43,632,000 | 45,258,000 |
| Allowance for loan losses | 522,000 | 538,000 | 551,000 | 569,000 |
| Securities available for sale | 19,600,000 | 19,166,000 | 18,836,000 | 19,363,000 |
| Securities held to maturity | 917,000 | 917,000 | 601,000 | 151,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,706,000 | 64,955,000 | 65,207,000 | 62,307,000 |
| Interest-bearing deposits | 54,597,000 | 51,906,000 | 51,445,000 | 50,554,000 |
| Noninterest-bearing deposits | 14,109,000 | 13,049,000 | 13,762,000 | 11,753,000 |
| Equity capital | 6,746,000 | 6,722,000 | 7,003,000 | 7,232,000 |
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 | 1,154,000 | 2,385,000 | 3,610,000 | 4,787,000 |
| Interest expense | 484,000 | 1,015,000 | 1,529,000 | 2,007,000 |
| Net interest income | 670,000 | 1,370,000 | 2,081,000 | 2,780,000 |
| Noninterest income | 278,000 | 371,000 | 491,000 | 610,000 |
| Noninterest expense | 576,000 | 1,112,000 | 1,643,000 | 2,226,000 |
| Provision for loan losses | 18,000 | 38,000 | 56,000 | 77,000 |
| Pretax income | 355,000 | 590,000 | 872,000 | 1,086,000 |
| Income tax | 40,000 | 112,000 | 213,000 | 213,000 |
| Net income | 315,000 | 478,000 | 659,000 | 873,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,766,000 | 6,822,000 | 7,003,000 | 7,145,000 |
| Total capital | 7,288,000 | 7,360,000 | 7,554,000 | 7,714,000 |
| Risk-weighted assets | 57,300,000 | 57,384,000 | 54,995,000 | 55,594,000 |