Call reports 2007
PEOPLES BANK & TRUST COMPANY OF MADISON COUNTY — 2007
What PEOPLES BANK & TRUST COMPANY OF MADISON COUNTY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 364,695,000 | 381,994,000 | 386,528,000 | 389,183,000 |
| Total loans | 247,894,000 | 247,082,000 | 257,654,000 | 256,598,000 |
| Allowance for loan losses | 4,720,000 | 4,696,000 | 4,671,000 | 4,508,000 |
| Securities available for sale | 58,433,000 | 74,368,000 | 71,622,000 | 73,954,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 296,560,000 | 310,296,000 | 314,750,000 | 316,986,000 |
| Interest-bearing deposits | 245,447,000 | 255,685,000 | 260,167,000 | 261,079,000 |
| Noninterest-bearing deposits | 51,113,000 | 54,611,000 | 54,583,000 | 55,907,000 |
| Equity capital | 41,887,000 | 42,812,000 | 44,335,000 | 45,723,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,743,000 | 11,889,000 | 18,214,000 | 24,628,000 |
| Interest expense | 2,416,000 | 5,046,000 | 7,806,000 | 10,583,000 |
| Net interest income | 3,327,000 | 6,843,000 | 10,408,000 | 14,045,000 |
| Noninterest income | 703,000 | 1,491,000 | 2,314,000 | 2,973,000 |
| Noninterest expense | 2,614,000 | 5,287,000 | 7,959,000 | 10,484,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,416,000 | 3,048,000 | 4,764,000 | 6,537,000 |
| Income tax | 429,000 | 932,000 | 1,461,000 | 2,008,000 |
| Net income | 987,000 | 2,116,000 | 3,303,000 | 4,529,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,035,000 | 30,296,000 | 31,615,000 | 32,973,000 |
| Total capital | 31,655,000 | 33,272,000 | 34,747,000 | 36,148,000 |
| Risk-weighted assets | 207,562,000 | 236,400,000 | 249,079,000 | 252,703,000 |