Call reports 2007
PEOPLES BANK AND TRUST — 2007
What PEOPLES BANK AND TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 44,213,000 | 46,293,000 | 46,541,000 | 54,805,000 |
| Total loans | 28,494,000 | 30,923,000 | 28,870,000 | 27,738,000 |
| Allowance for loan losses | 405,000 | 360,000 | 365,000 | 400,000 |
| Securities available for sale | 3,210,000 | 3,171,000 | 3,190,000 | 2,949,000 |
| Securities held to maturity | 6,757,000 | 5,856,000 | 5,605,000 | 4,605,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,218,000 | 36,952,000 | 37,013,000 | 45,435,000 |
| Interest-bearing deposits | 28,826,000 | 30,969,000 | 30,435,000 | 37,735,000 |
| Noninterest-bearing deposits | 5,392,000 | 5,983,000 | 6,578,000 | 7,700,000 |
| Equity capital | 6,534,000 | 6,754,000 | 6,905,000 | 6,774,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 692,000 | 1,431,000 | 2,162,000 | 2,907,000 |
| Interest expense | 242,000 | 497,000 | 759,000 | 1,036,000 |
| Net interest income | 450,000 | 934,000 | 1,403,000 | 1,871,000 |
| Noninterest income | 23,000 | 58,000 | 95,000 | 121,000 |
| Noninterest expense | 189,000 | 398,000 | 605,000 | 1,087,000 |
| Provision for loan losses | 0 | 0 | 5,000 | -5,000 |
| Pretax income | 284,000 | 594,000 | 888,000 | 910,000 |
| Income tax | 11,000 | 22,000 | 34,000 | 60,000 |
| Net income | 273,000 | 572,000 | 854,000 | 850,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,512,000 | 6,742,000 | 6,881,000 | 6,738,000 |
| Total capital | 6,917,000 | 7,102,000 | 7,246,000 | 7,138,000 |
| Risk-weighted assets | 35,929,000 | 40,443,000 | 38,442,000 | 40,227,000 |