Call reports 2005
PEOPLES BANK & TRUST COMPANY — 2005
What PEOPLES BANK & TRUST COMPANY 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 | 57,477,000 | 55,315,000 | 54,818,000 | 55,729,000 |
| Total loans | 44,748,000 | 44,384,000 | 44,244,000 | 42,962,000 |
| Allowance for loan losses | 448,000 | 518,000 | 545,000 | 578,000 |
| Securities available for sale | 4,736,000 | 4,596,000 | 4,436,000 | 4,265,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,782,000 | 40,342,000 | 38,888,000 | 39,457,000 |
| Interest-bearing deposits | 33,564,000 | 32,374,000 | 30,894,000 | 31,559,000 |
| Noninterest-bearing deposits | 8,218,000 | 7,968,000 | 7,994,000 | 7,898,000 |
| Equity capital | 7,336,000 | 7,349,000 | 7,546,000 | 7,816,000 |
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 | 921,000 | 1,894,000 | 2,851,000 | 3,829,000 |
| Interest expense | 174,000 | 350,000 | 536,000 | 747,000 |
| Net interest income | 747,000 | 1,544,000 | 2,315,000 | 3,082,000 |
| Noninterest income | 105,000 | 238,000 | 382,000 | 523,000 |
| Noninterest expense | 506,000 | 995,000 | 1,488,000 | 2,011,000 |
| Provision for loan losses | 30,000 | 96,000 | 133,000 | 169,000 |
| Pretax income | 316,000 | 691,000 | 1,076,000 | 1,425,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 316,000 | 691,000 | 1,076,000 | 1,425,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,971,000 | 6,986,000 | 7,203,000 | 7,552,000 |
| Total capital | 7,419,000 | 7,504,000 | 7,725,000 | 8,066,000 |
| Risk-weighted assets | 42,573,000 | 42,210,000 | 41,775,000 | 41,056,000 |