Call reports 2009
PEOPLES BANK & TRUST COMPANY OF MADISON COUNTY — 2009
What PEOPLES BANK & TRUST COMPANY OF MADISON COUNTY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 392,343,000 | 398,949,000 | 401,844,000 | 418,202,000 |
| Total loans | 265,907,000 | 268,192,000 | 270,103,000 | 269,082,000 |
| Allowance for loan losses | 4,599,000 | 4,499,000 | 4,507,000 | 4,576,000 |
| Securities available for sale | 76,619,000 | 74,181,000 | 90,474,000 | 103,130,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 316,210,000 | 320,216,000 | 320,558,000 | 325,836,000 |
| Interest-bearing deposits | 272,892,000 | 276,373,000 | 275,106,000 | 280,227,000 |
| Noninterest-bearing deposits | 43,318,000 | 43,843,000 | 45,452,000 | 45,609,000 |
| Equity capital | 45,335,000 | 45,983,000 | 48,688,000 | 47,600,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,904,000 | 9,817,000 | 14,787,000 | 19,853,000 |
| Interest expense | 1,764,000 | 3,448,000 | 5,053,000 | 6,524,000 |
| Net interest income | 3,140,000 | 6,369,000 | 9,734,000 | 13,329,000 |
| Noninterest income | 696,000 | 1,472,000 | 2,239,000 | 3,015,000 |
| Noninterest expense | 2,771,000 | 5,725,000 | 8,557,000 | 11,406,000 |
| Provision for loan losses | 300,000 | 682,000 | 882,000 | 1,182,000 |
| Pretax income | 765,000 | 1,435,000 | 2,560,000 | 3,784,000 |
| Income tax | 196,000 | 353,000 | 650,000 | 894,000 |
| Net income | 569,000 | 1,082,000 | 1,910,000 | 2,890,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,884,000 | 35,529,000 | 36,489,000 | 35,949,000 |
| Total capital | 38,039,000 | 38,747,000 | 39,679,000 | 39,154,000 |
| Risk-weighted assets | 250,928,000 | 256,126,000 | 253,842,000 | 255,075,000 |