Call reports 2004
PEOPLES BANK AND TRUST — 2004
What PEOPLES BANK AND TRUST 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 | 44,056,000 | 42,009,000 | 41,872,000 | 42,989,000 |
| Total loans | 21,210,000 | 25,097,000 | 26,376,000 | 23,761,000 |
| Allowance for loan losses | 406,000 | 415,000 | 425,000 | 403,000 |
| Securities available for sale | 2,599,000 | 2,522,000 | 2,349,000 | 2,032,000 |
| Securities held to maturity | 7,403,000 | 8,374,000 | 8,361,000 | 8,097,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,591,000 | 35,474,000 | 35,173,000 | 36,268,000 |
| Interest-bearing deposits | 33,066,000 | 31,459,000 | 31,212,000 | 31,028,000 |
| Noninterest-bearing deposits | 4,525,000 | 4,015,000 | 3,961,000 | 5,240,000 |
| Equity capital | 6,280,000 | 6,310,000 | 6,444,000 | 6,463,000 |
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 | 483,000 | 974,000 | 1,488,000 | 1,995,000 |
| Interest expense | 132,000 | 268,000 | 404,000 | 539,000 |
| Net interest income | 351,000 | 706,000 | 1,084,000 | 1,456,000 |
| Noninterest income | 37,000 | 66,000 | 106,000 | 127,000 |
| Noninterest expense | 200,000 | 404,000 | 619,000 | 888,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 0 |
| Pretax income | 173,000 | 353,000 | 556,000 | 695,000 |
| Income tax | 10,000 | 20,000 | 31,000 | 40,000 |
| Net income | 163,000 | 333,000 | 525,000 | 655,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,188,000 | 6,259,000 | 6,376,000 | 6,406,000 |
| Total capital | 6,528,000 | 6,602,000 | 6,764,000 | 6,774,000 |
| Risk-weighted assets | 27,096,000 | 27,369,000 | 30,988,000 | 29,398,000 |
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