Call reports 2003
PEOPLES BANK AND TRUST — 2003
What PEOPLES BANK AND TRUST 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 | 41,606,000 | 40,270,000 | 41,653,000 | 42,574,000 |
| Total loans | 22,402,000 | 24,225,000 | 25,256,000 | 23,193,000 |
| Allowance for loan losses | 402,000 | 419,000 | 406,000 | 385,000 |
| Securities available for sale | 2,729,000 | 2,658,000 | 2,628,000 | 2,347,000 |
| Securities held to maturity | 6,012,000 | 4,631,000 | 5,305,000 | 5,274,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,314,000 | 33,879,000 | 35,161,000 | 36,161,000 |
| Interest-bearing deposits | 31,473,000 | 30,057,000 | 31,016,000 | 30,892,000 |
| Noninterest-bearing deposits | 3,841,000 | 3,822,000 | 4,145,000 | 5,269,000 |
| Equity capital | 6,041,000 | 6,124,000 | 6,227,000 | 6,242,000 |
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 | 523,000 | 1,039,000 | 1,577,000 | 2,091,000 |
| Interest expense | 171,000 | 327,000 | 472,000 | 610,000 |
| Net interest income | 352,000 | 712,000 | 1,105,000 | 1,481,000 |
| Noninterest income | 64,000 | 92,000 | 113,000 | 145,000 |
| Noninterest expense | 227,000 | 445,000 | 651,000 | 945,000 |
| Provision for loan losses | 10,000 | 15,000 | 15,000 | 25,000 |
| Pretax income | 179,000 | 344,000 | 552,000 | 656,000 |
| Income tax | 7,000 | 19,000 | 30,000 | 41,000 |
| Net income | 172,000 | 325,000 | 522,000 | 615,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,916,000 | 5,994,000 | 6,132,000 | 6,151,000 |
| Total capital | 6,263,000 | 6,360,000 | 6,509,000 | 6,510,000 |
| Risk-weighted assets | 27,676,000 | 29,217,000 | 30,160,000 | 28,669,000 |