Call reports 2003
PEOPLES BANK & TRUST COMPANY — 2003
What PEOPLES BANK & TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 61,244,000 | 60,718,000 | 59,009,000 | 60,934,000 |
| Total loans | 46,027,000 | 47,026,000 | 46,036,000 | 46,162,000 |
| Allowance for loan losses | 585,000 | 598,000 | 581,000 | 586,000 |
| Securities available for sale | 7,043,000 | 6,863,000 | 6,431,000 | 6,156,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,085,000 | 43,224,000 | 42,984,000 | 44,288,000 |
| Interest-bearing deposits | 36,986,000 | 36,142,000 | 35,851,000 | 36,803,000 |
| Noninterest-bearing deposits | 7,099,000 | 7,082,000 | 7,133,000 | 7,485,000 |
| Equity capital | 5,726,000 | 6,091,000 | 6,179,000 | 6,849,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,115,000 | 2,158,000 | 3,176,000 | 4,175,000 |
| Interest expense | 221,000 | 404,000 | 619,000 | 798,000 |
| Net interest income | 894,000 | 1,754,000 | 2,557,000 | 3,377,000 |
| Noninterest income | 137,000 | 282,000 | 434,000 | 565,000 |
| Noninterest expense | 518,000 | 1,022,000 | 1,540,000 | 2,040,000 |
| Provision for loan losses | 30,000 | 61,000 | 91,000 | 122,000 |
| Pretax income | 483,000 | 953,000 | 1,360,000 | 1,780,000 |
| Income tax | 166,000 | 165,000 | 166,000 | 166,000 |
| Net income | 317,000 | 788,000 | 1,194,000 | 1,614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,307,000 | 5,503,000 | 5,734,000 | 6,414,000 |
| Total capital | 5,849,000 | 6,060,000 | 6,285,000 | 6,969,000 |
| Risk-weighted assets | 43,310,000 | 44,537,000 | 44,069,000 | 44,710,000 |