Call reports 2015
PEOPLES BANK AND TRUST COMPANY — 2015
What PEOPLES BANK AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 448,321,000 | 449,290,000 | 448,453,000 | 448,488,000 |
| Total loans | 236,036,000 | 242,260,000 | 244,103,000 | 249,080,000 |
| Allowance for loan losses | 4,568,000 | 4,558,000 | 4,541,000 | 4,651,000 |
| Securities available for sale | 173,109,000 | 155,722,000 | 165,567,000 | 157,033,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 361,889,000 | 365,237,000 | 355,117,000 | 349,443,000 |
| Interest-bearing deposits | 292,986,000 | 290,816,000 | 284,262,000 | 277,990,000 |
| Noninterest-bearing deposits | 68,903,000 | 74,421,000 | 70,855,000 | 71,453,000 |
| Equity capital | 55,087,000 | 55,243,000 | 56,527,000 | 57,892,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,010,000 | 7,993,000 | 12,019,000 | 16,015,000 |
| Interest expense | 375,000 | 720,000 | 1,061,000 | 1,391,000 |
| Net interest income | 3,635,000 | 7,273,000 | 10,958,000 | 14,624,000 |
| Noninterest income | 657,000 | 1,269,000 | 1,912,000 | 2,755,000 |
| Noninterest expense | 2,986,000 | 5,934,000 | 8,934,000 | 11,780,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 1,235,000 | 2,546,000 | 3,859,000 | 5,517,000 |
| Income tax | 299,000 | 617,000 | 926,000 | 1,438,000 |
| Net income | 936,000 | 1,929,000 | 2,933,000 | 4,079,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,433,000 | 53,439,000 | 54,452,000 | 55,611,000 |
| Total capital | 56,820,000 | 57,838,000 | 58,829,000 | 60,060,000 |
| Risk-weighted assets | 350,855,000 | 351,724,000 | 349,999,000 | 355,741,000 |