Call reports 2004
PEOPLES BANK & TRUST COMPANY OF MADISON COUNTY — 2004
What PEOPLES BANK & TRUST COMPANY OF MADISON COUNTY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 217,683,000 | 223,094,000 | 228,494,000 | 226,917,000 |
| Total loans | 165,164,000 | 174,513,000 | 180,115,000 | 181,690,000 |
| Allowance for loan losses | 3,309,000 | 3,492,000 | 3,603,000 | 3,635,000 |
| Securities available for sale | 40,836,000 | 37,478,000 | 37,001,000 | 33,958,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,253,000 | 176,658,000 | 181,693,000 | 180,884,000 |
| Interest-bearing deposits | 138,054,000 | 144,129,000 | 147,814,000 | 148,990,000 |
| Noninterest-bearing deposits | 31,199,000 | 32,529,000 | 33,879,000 | 31,894,000 |
| Equity capital | 16,551,000 | 16,262,000 | 17,571,000 | 18,191,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,000,000 | 6,045,000 | 9,190,000 | 12,362,000 |
| Interest expense | 772,000 | 1,545,000 | 2,341,000 | 3,168,000 |
| Net interest income | 2,228,000 | 4,500,000 | 6,849,000 | 9,194,000 |
| Noninterest income | 454,000 | 994,000 | 1,516,000 | 2,007,000 |
| Noninterest expense | 1,669,000 | 3,337,000 | 5,064,000 | 6,712,000 |
| Provision for loan losses | 125,000 | 321,000 | 445,000 | 568,000 |
| Pretax income | 888,000 | 1,836,000 | 2,856,000 | 3,926,000 |
| Income tax | 261,000 | 543,000 | 849,000 | 1,175,000 |
| Net income | 627,000 | 1,293,000 | 2,007,000 | 2,751,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,605,000 | 15,295,000 | 16,034,000 | 16,802,000 |
| Total capital | 16,324,000 | 17,065,000 | 17,881,000 | 18,619,000 |
| Risk-weighted assets | 135,908,000 | 139,875,000 | 146,000,000 | 143,578,000 |
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