Call reports 2005
PEOPLESTRUST BANK — 2005
What PEOPLESTRUST BANK 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 | 25,656,000 | 26,765,000 | 30,033,000 | 33,780,000 |
| Total loans | 13,660,000 | 16,505,000 | 19,402,000 | 21,341,000 |
| Allowance for loan losses | 198,000 | 231,000 | 266,000 | 290,000 |
| Securities available for sale | 4,442,000 | 3,714,000 | 3,941,000 | 4,616,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,131,000 | 20,285,000 | 23,539,000 | 27,262,000 |
| Interest-bearing deposits | 16,750,000 | 17,555,000 | 20,177,000 | 23,846,000 |
| Noninterest-bearing deposits | 2,381,000 | 2,730,000 | 3,362,000 | 3,416,000 |
| Equity capital | 6,197,000 | 6,156,000 | 6,128,000 | 6,127,000 |
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 | 264,000 | 582,000 | 982,000 | 1,451,000 |
| Interest expense | 84,000 | 192,000 | 332,000 | 512,000 |
| Net interest income | 180,000 | 390,000 | 650,000 | 939,000 |
| Noninterest income | 36,000 | 93,000 | 155,000 | 220,000 |
| Noninterest expense | 271,000 | 584,000 | 910,000 | 1,214,000 |
| Provision for loan losses | 43,000 | 76,000 | 113,000 | 137,000 |
| Pretax income | -98,000 | -177,000 | -218,000 | -192,000 |
| Income tax | -39,000 | -70,000 | -86,000 | -76,000 |
| Net income | -59,000 | -107,000 | -132,000 | -116,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,521,000 | 5,446,000 | 5,402,000 | 5,420,000 |
| Total capital | 5,719,000 | 5,677,000 | 5,668,000 | 5,710,000 |
| Risk-weighted assets | 18,311,000 | 21,271,000 | 25,819,000 | 26,200,000 |