Call reports 2005
PEOPLES BANK AND TRUST — 2005
What PEOPLES BANK AND TRUST 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 | 42,313,000 | 40,983,000 | 44,684,000 | 43,420,000 |
| Total loans | 22,609,000 | 25,145,000 | 26,904,000 | 24,630,000 |
| Allowance for loan losses | 405,000 | 420,000 | 437,000 | 403,000 |
| Securities available for sale | 2,362,000 | 2,699,000 | 2,682,000 | 2,664,000 |
| Securities held to maturity | 8,385,000 | 8,378,000 | 8,372,000 | 8,369,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,626,000 | 33,866,000 | 35,055,000 | 37,036,000 |
| Interest-bearing deposits | 30,983,000 | 29,015,000 | 29,365,000 | 31,032,000 |
| Noninterest-bearing deposits | 4,643,000 | 4,851,000 | 5,690,000 | 6,004,000 |
| Equity capital | 6,514,000 | 6,598,000 | 6,684,000 | 6,120,000 |
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 | 529,000 | 1,042,000 | 1,637,000 | 2,207,000 |
| Interest expense | 130,000 | 262,000 | 435,000 | 605,000 |
| Net interest income | 399,000 | 780,000 | 1,202,000 | 1,602,000 |
| Noninterest income | 31,000 | 56,000 | 90,000 | 113,000 |
| Noninterest expense | 236,000 | 449,000 | 683,000 | 939,000 |
| Provision for loan losses | 0 | 15,000 | 30,000 | 30,000 |
| Pretax income | 194,000 | 372,000 | 579,000 | 746,000 |
| Income tax | 10,000 | 20,000 | 31,000 | 49,000 |
| Net income | 184,000 | 352,000 | 548,000 | 697,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,475,000 | 6,560,000 | 6,646,000 | 6,082,000 |
| Total capital | 6,856,000 | 6,959,000 | 7,079,000 | 6,485,000 |
| Risk-weighted assets | 30,427,000 | 31,915,000 | 34,601,000 | 33,948,000 |