Call reports 2014
PEOPLES BANK AND TRUST COMPANY — 2014
What PEOPLES BANK AND TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 439,589,000 | 444,217,000 | 445,255,000 | 455,836,000 |
| Total loans | 208,748,000 | 209,158,000 | 221,384,000 | 232,528,000 |
| Allowance for loan losses | 4,470,000 | 4,489,000 | 4,486,000 | 4,558,000 |
| Securities available for sale | 191,051,000 | 184,220,000 | 182,912,000 | 179,695,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 361,215,000 | 364,487,000 | 363,864,000 | 356,407,000 |
| Interest-bearing deposits | 296,185,000 | 296,447,000 | 292,812,000 | 291,336,000 |
| Noninterest-bearing deposits | 65,030,000 | 68,040,000 | 71,052,000 | 65,071,000 |
| Equity capital | 49,549,000 | 51,547,000 | 52,489,000 | 53,909,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,916,000 | 7,861,000 | 11,889,000 | 15,977,000 |
| Interest expense | 439,000 | 876,000 | 1,307,000 | 1,704,000 |
| Net interest income | 3,477,000 | 6,985,000 | 10,582,000 | 14,273,000 |
| Noninterest income | 643,000 | 1,299,000 | 1,955,000 | 2,781,000 |
| Noninterest expense | 2,686,000 | 5,485,000 | 8,337,000 | 11,076,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 160,000 |
| Pretax income | 1,376,000 | 2,581,000 | 3,970,000 | 5,669,000 |
| Income tax | 374,000 | 710,000 | 1,106,000 | 1,461,000 |
| Net income | 1,002,000 | 1,871,000 | 2,864,000 | 4,208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,201,000 | 49,098,000 | 50,119,000 | 51,490,000 |
| Total capital | 51,908,000 | 52,815,000 | 54,036,000 | 55,525,000 |
| Risk-weighted assets | 295,808,000 | 296,580,000 | 312,846,000 | 322,286,000 |