Call reports 2008
PEOPLES BANK & TRUST COMPANY — 2008
What PEOPLES BANK & TRUST COMPANY 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 | 74,741,000 | 76,386,000 | 74,696,000 | 74,301,000 |
| Total loans | 45,306,000 | 47,101,000 | 46,596,000 | 46,542,000 |
| Allowance for loan losses | 578,000 | 598,000 | 577,000 | 605,000 |
| Securities available for sale | 19,630,000 | 18,417,000 | 17,770,000 | 15,873,000 |
| Securities held to maturity | 75,000 | 75,000 | 75,000 | 75,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,297,000 | 65,186,000 | 63,215,000 | 60,527,000 |
| Interest-bearing deposits | 51,352,000 | 52,192,000 | 50,965,000 | 48,504,000 |
| Noninterest-bearing deposits | 11,945,000 | 12,994,000 | 12,250,000 | 12,023,000 |
| Equity capital | 7,565,000 | 7,341,000 | 7,622,000 | 7,990,000 |
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 | 1,107,000 | 2,127,000 | 3,149,000 | 4,129,000 |
| Interest expense | 421,000 | 785,000 | 1,133,000 | 1,441,000 |
| Net interest income | 686,000 | 1,342,000 | 2,016,000 | 2,688,000 |
| Noninterest income | 153,000 | 260,000 | 368,000 | 831,000 |
| Noninterest expense | 544,000 | 1,113,000 | 1,675,000 | 2,354,000 |
| Provision for loan losses | 25,000 | 50,000 | 74,000 | 130,000 |
| Pretax income | 269,000 | 441,000 | 637,000 | 1,039,000 |
| Income tax | 75,000 | 136,000 | 182,000 | 268,000 |
| Net income | 194,000 | 305,000 | 455,000 | 771,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,336,000 | 7,376,000 | 7,521,000 | 7,762,000 |
| Total capital | 7,914,000 | 7,974,000 | 8,098,000 | 8,367,000 |
| Risk-weighted assets | 54,578,000 | 56,432,000 | 57,263,000 | 57,305,000 |