Call reports 2009
PEOPLES BANK AND TRUST COMPANY — 2009
What PEOPLES BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 53,654,000 | 51,457,000 | 51,629,000 | 51,233,000 |
| Total loans | 15,520,000 | 15,613,000 | 15,687,000 | 15,359,000 |
| Allowance for loan losses | 308,000 | 307,000 | 309,000 | 326,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 33,509,000 | 33,398,000 | 31,397,000 | 31,837,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,884,000 | 44,534,000 | 44,484,000 | 44,078,000 |
| Interest-bearing deposits | 41,773,000 | 39,243,000 | 39,624,000 | 39,161,000 |
| Noninterest-bearing deposits | 5,111,000 | 5,291,000 | 4,860,000 | 4,917,000 |
| Equity capital | 6,551,000 | 6,717,000 | 6,890,000 | 6,828,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 590,000 | 1,196,000 | 1,795,000 | 2,357,000 |
| Interest expense | 223,000 | 440,000 | 651,000 | 851,000 |
| Net interest income | 367,000 | 756,000 | 1,144,000 | 1,506,000 |
| Noninterest income | 50,000 | 85,000 | 126,000 | 161,000 |
| Noninterest expense | 181,000 | 357,000 | 545,000 | 815,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 238,000 | 486,000 | 728,000 | 837,000 |
| Income tax | 72,000 | 154,000 | 223,000 | 254,000 |
| Net income | 166,000 | 332,000 | 505,000 | 583,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,551,000 | 6,717,000 | 6,890,000 | 6,828,000 |
| Total capital | 6,802,000 | 6,962,000 | 7,137,000 | 7,071,000 |
| Risk-weighted assets | 20,049,000 | 19,552,000 | 19,678,000 | 19,351,000 |