Call reports 2003
PEOPLES BANK & TRUST COMPANY OF MADISON COUNTY — 2003
What PEOPLES BANK & TRUST COMPANY OF MADISON COUNTY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 197,687,000 | 205,803,000 | 208,546,000 | 211,379,000 |
| Total loans | 152,514,000 | 150,443,000 | 154,382,000 | 159,424,000 |
| Allowance for loan losses | 3,051,000 | 3,041,000 | 3,089,000 | 3,190,000 |
| Securities available for sale | 25,212,000 | 34,176,000 | 41,201,000 | 41,266,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,237,000 | 164,036,000 | 166,154,000 | 167,000,000 |
| Interest-bearing deposits | 129,978,000 | 135,573,000 | 137,006,000 | 138,225,000 |
| Noninterest-bearing deposits | 27,259,000 | 28,463,000 | 29,148,000 | 28,775,000 |
| Equity capital | 16,371,000 | 17,608,000 | 17,009,000 | 15,517,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,046,000 | 6,078,000 | 9,132,000 | 12,132,000 |
| Interest expense | 899,000 | 1,786,000 | 2,636,000 | 3,446,000 |
| Net interest income | 2,147,000 | 4,292,000 | 6,496,000 | 8,686,000 |
| Noninterest income | 377,000 | 840,000 | 1,286,000 | 1,721,000 |
| Noninterest expense | 1,530,000 | 3,070,000 | 4,638,000 | 6,185,000 |
| Provision for loan losses | 87,000 | 87,000 | 153,000 | 297,000 |
| Pretax income | 907,000 | 1,975,000 | 2,991,000 | 3,926,000 |
| Income tax | 268,000 | 592,000 | 889,000 | 1,167,000 |
| Net income | 639,000 | 1,383,000 | 2,102,000 | 2,685,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,786,000 | 15,554,000 | 15,847,000 | 13,954,000 |
| Total capital | 16,341,000 | 17,121,000 | 17,452,000 | 15,609,000 |
| Risk-weighted assets | 122,871,000 | 123,853,000 | 126,882,000 | 130,874,000 |
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