Call reports 2004
PEOPLES BANK & TRUST COMPANY — 2004
What PEOPLES BANK & TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 58,983,000 | 57,730,000 | 59,096,000 | 59,115,000 |
| Total loans | 45,100,000 | 46,150,000 | 47,612,000 | 46,027,000 |
| Allowance for loan losses | 584,000 | 614,000 | 638,000 | 631,000 |
| Securities available for sale | 6,112,000 | 5,453,000 | 5,196,000 | 4,953,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,172,000 | 42,255,000 | 42,284,000 | 43,315,000 |
| Interest-bearing deposits | 36,714,000 | 35,045,000 | 34,594,000 | 35,158,000 |
| Noninterest-bearing deposits | 7,458,000 | 7,210,000 | 7,690,000 | 8,157,000 |
| Equity capital | 7,360,000 | 7,189,000 | 6,913,000 | 7,260,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 980,000 | 1,953,000 | 2,918,000 | 3,906,000 |
| Interest expense | 176,000 | 336,000 | 503,000 | 685,000 |
| Net interest income | 804,000 | 1,617,000 | 2,415,000 | 3,221,000 |
| Noninterest income | 115,000 | 256,000 | 409,000 | 546,000 |
| Noninterest expense | 489,000 | 983,000 | 1,491,000 | 2,035,000 |
| Provision for loan losses | 30,000 | 61,000 | 92,000 | 123,000 |
| Pretax income | 400,000 | 829,000 | 1,241,000 | 1,609,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 400,000 | 829,000 | 1,241,000 | 1,609,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,730,000 | 6,811,000 | 6,478,000 | 6,847,000 |
| Total capital | 7,272,000 | 7,358,000 | 7,041,000 | 7,392,000 |
| Risk-weighted assets | 43,283,000 | 43,690,000 | 44,927,000 | 43,502,000 |