Call reports 2008
PEOPLES BANK & TRUST COMPANY OF MADISON COUNTY — 2008
What PEOPLES BANK & TRUST COMPANY OF MADISON COUNTY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 398,178,000 | 388,507,000 | 381,667,000 | 387,115,000 |
| Total loans | 257,810,000 | 260,996,000 | 265,073,000 | 268,244,000 |
| Allowance for loan losses | 4,372,000 | 4,246,000 | 4,273,000 | 4,426,000 |
| Securities available for sale | 94,074,000 | 86,836,000 | 80,122,000 | 77,496,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 322,990,000 | 316,955,000 | 310,140,000 | 314,483,000 |
| Interest-bearing deposits | 274,796,000 | 264,595,000 | 266,386,000 | 271,658,000 |
| Noninterest-bearing deposits | 48,194,000 | 52,360,000 | 43,754,000 | 42,825,000 |
| Equity capital | 46,350,000 | 45,996,000 | 44,008,000 | 44,485,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,232,000 | 11,931,000 | 17,302,000 | 22,556,000 |
| Interest expense | 2,664,000 | 4,947,000 | 6,982,000 | 8,939,000 |
| Net interest income | 3,568,000 | 6,984,000 | 10,320,000 | 13,617,000 |
| Noninterest income | 762,000 | 1,567,000 | 2,346,000 | 3,107,000 |
| Noninterest expense | 2,695,000 | 5,687,000 | 8,490,000 | 11,340,000 |
| Provision for loan losses | 0 | 45,000 | 375,000 | 790,000 |
| Pretax income | 1,636,000 | 2,839,000 | 69,000 | 862,000 |
| Income tax | 497,000 | 793,000 | -215,000 | -73,000 |
| Net income | 1,139,000 | 2,046,000 | 284,000 | 935,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,990,000 | 35,029,000 | 33,399,000 | 34,182,000 |
| Total capital | 37,261,000 | 38,257,000 | 36,575,000 | 37,364,000 |
| Risk-weighted assets | 260,581,000 | 257,227,000 | 252,974,000 | 253,309,000 |