Call reports 2010
PEOPLES BANK & TRUST COMPANY OF MADISON COUNTY — 2010
What PEOPLES BANK & TRUST COMPANY OF MADISON COUNTY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 417,022,000 | 428,237,000 | 427,107,000 | 421,442,000 |
| Total loans | 271,921,000 | 273,859,000 | 272,766,000 | 271,637,000 |
| Allowance for loan losses | 4,644,000 | 4,736,000 | 4,818,000 | 4,845,000 |
| Securities available for sale | 103,004,000 | 104,900,000 | 102,417,000 | 107,228,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 332,743,000 | 335,983,000 | 335,435,000 | 331,620,000 |
| Interest-bearing deposits | 286,912,000 | 288,110,000 | 288,114,000 | 285,096,000 |
| Noninterest-bearing deposits | 45,831,000 | 47,873,000 | 47,321,000 | 46,524,000 |
| Equity capital | 48,056,000 | 48,072,000 | 48,317,000 | 47,867,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,023,000 | 10,092,000 | 15,155,000 | 20,098,000 |
| Interest expense | 1,366,000 | 2,710,000 | 4,021,000 | 5,245,000 |
| Net interest income | 3,657,000 | 7,382,000 | 11,134,000 | 14,853,000 |
| Noninterest income | 667,000 | 1,422,000 | 2,078,000 | 2,693,000 |
| Noninterest expense | 2,938,000 | 5,870,000 | 8,832,000 | 11,769,000 |
| Provision for loan losses | 325,000 | 625,000 | 925,000 | 1,225,000 |
| Pretax income | 1,129,000 | 2,371,000 | 3,518,000 | 4,645,000 |
| Income tax | 300,000 | 647,000 | 967,000 | 1,208,000 |
| Net income | 829,000 | 1,724,000 | 2,551,000 | 3,437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,562,000 | 36,265,000 | 36,323,000 | 36,762,000 |
| Total capital | 39,778,000 | 39,512,000 | 39,569,000 | 39,947,000 |
| Risk-weighted assets | 254,836,000 | 258,271,000 | 258,100,000 | 253,157,000 |