Call reports 2005
PEOPLES BANK & TRUST COMPANY OF MADISON COUNTY — 2005
What PEOPLES BANK & TRUST COMPANY OF MADISON COUNTY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 229,225,000 | 230,713,000 | 237,498,000 | 238,229,000 |
| Total loans | 177,269,000 | 182,319,000 | 186,939,000 | 192,498,000 |
| Allowance for loan losses | 3,649,000 | 3,647,000 | 3,740,000 | 3,851,000 |
| Securities available for sale | 35,034,000 | 32,496,000 | 32,374,000 | 33,857,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,190,000 | 185,896,000 | 192,597,000 | 192,095,000 |
| Interest-bearing deposits | 153,676,000 | 150,746,000 | 156,114,000 | 157,320,000 |
| Noninterest-bearing deposits | 32,514,000 | 35,150,000 | 36,483,000 | 34,775,000 |
| Equity capital | 18,633,000 | 19,717,000 | 20,435,000 | 20,922,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,174,000 | 6,430,000 | 9,879,000 | 13,544,000 |
| Interest expense | 873,000 | 1,820,000 | 2,861,000 | 3,979,000 |
| Net interest income | 2,301,000 | 4,610,000 | 7,018,000 | 9,565,000 |
| Noninterest income | 476,000 | 1,029,000 | 1,588,000 | 2,024,000 |
| Noninterest expense | 1,658,000 | 3,386,000 | 5,086,000 | 6,966,000 |
| Provision for loan losses | 15,000 | 59,000 | 157,000 | 298,000 |
| Pretax income | 1,141,000 | 2,391,000 | 3,563,000 | 4,525,000 |
| Income tax | 350,000 | 737,000 | 1,099,000 | 1,389,000 |
| Net income | 791,000 | 1,654,000 | 2,464,000 | 3,136,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,617,000 | 18,504,000 | 19,338,000 | 20,035,000 |
| Total capital | 19,369,000 | 20,332,000 | 21,228,000 | 21,936,000 |
| Risk-weighted assets | 138,248,000 | 144,417,000 | 149,343,000 | 150,124,000 |
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