Call reports 2006
PEOPLES BANK & TRUST COMPANY OF MADISON COUNTY — 2006
What PEOPLES BANK & TRUST COMPANY OF MADISON COUNTY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 336,917,000 | 339,937,000 | 344,360,000 | 347,595,000 |
| Total loans | 250,337,000 | 255,501,000 | 252,741,000 | 255,709,000 |
| Allowance for loan losses | 5,179,000 | 5,350,000 | 5,310,000 | 4,756,000 |
| Securities available for sale | 44,805,000 | 44,978,000 | 44,878,000 | 51,939,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 273,853,000 | 275,859,000 | 278,273,000 | 280,625,000 |
| Interest-bearing deposits | 224,066,000 | 226,061,000 | 230,516,000 | 234,581,000 |
| Noninterest-bearing deposits | 49,787,000 | 49,798,000 | 47,757,000 | 46,044,000 |
| Equity capital | 37,832,000 | 37,993,000 | 39,525,000 | 40,847,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,878,000 | 10,046,000 | 15,444,000 | 21,118,000 |
| Interest expense | 1,666,000 | 3,518,000 | 5,644,000 | 7,935,000 |
| Net interest income | 3,212,000 | 6,528,000 | 9,800,000 | 13,183,000 |
| Noninterest income | 741,000 | 1,463,000 | 2,237,000 | 2,656,000 |
| Noninterest expense | 2,803,000 | 5,601,000 | 8,387,000 | 10,902,000 |
| Provision for loan losses | 313,000 | 497,000 | 497,000 | 0 |
| Pretax income | 849,000 | 1,905,000 | 3,174,000 | 4,958,000 |
| Income tax | 245,000 | 562,000 | 949,000 | 1,473,000 |
| Net income | 604,000 | 1,343,000 | 2,225,000 | 3,485,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,639,000 | 25,510,000 | 26,524,000 | 27,916,000 |
| Total capital | 27,249,000 | 28,162,000 | 29,133,000 | 30,573,000 |
| Risk-weighted assets | 206,222,000 | 209,467,000 | 206,007,000 | 210,486,000 |