Call reports 2013
PEOPLES BANK & TRUST COMPANY OF MADISON COUNTY — 2013
What PEOPLES BANK & TRUST COMPANY OF MADISON COUNTY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 392,343,000 | 387,086,000 | 386,229,000 | 379,850,000 |
| Total loans | 260,655,000 | 259,325,000 | 248,480,000 | 243,347,000 |
| Allowance for loan losses | 6,136,000 | 6,313,000 | 5,199,000 | 4,616,000 |
| Securities available for sale | 86,937,000 | 93,349,000 | 96,111,000 | 99,043,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 299,941,000 | 295,869,000 | 294,514,000 | 290,838,000 |
| Interest-bearing deposits | 246,379,000 | 241,223,000 | 239,936,000 | 237,774,000 |
| Noninterest-bearing deposits | 53,562,000 | 54,646,000 | 54,578,000 | 53,064,000 |
| Equity capital | 49,792,000 | 47,992,000 | 47,891,000 | 47,940,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,997,000 | 7,925,000 | 11,878,000 | 15,680,000 |
| Interest expense | 366,000 | 718,000 | 1,058,000 | 1,376,000 |
| Net interest income | 3,631,000 | 7,207,000 | 10,820,000 | 14,304,000 |
| Noninterest income | 580,000 | 1,240,000 | 1,908,000 | 2,474,000 |
| Noninterest expense | 3,104,000 | 6,176,000 | 9,388,000 | 12,594,000 |
| Provision for loan losses | 1,474,000 | 1,957,000 | 2,358,000 | 2,688,000 |
| Pretax income | -378,000 | 303,000 | 971,000 | 1,480,000 |
| Income tax | -207,000 | -58,000 | 86,000 | 119,000 |
| Net income | -171,000 | 361,000 | 885,000 | 1,361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,204,000 | 37,581,000 | 37,999,000 | 37,732,000 |
| Total capital | 41,279,000 | 40,555,000 | 40,944,000 | 40,599,000 |
| Risk-weighted assets | 242,872,000 | 234,458,000 | 233,291,000 | 228,529,000 |